Home > First United National Bank > Performance and Condition Ratios
First United National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5085% | 4,392 |
| Cost of funding earning assets | 1.1033% | 3,063 |
| Net interest margin | 2.4052% | 4,183 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.1672% | 3,206 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.3663% | 3,933 |
| Return on assets (ROA) | 0.3663% | 3,924 |
| Pretax return on assets | 0.4035% | 3,960 |
| Return on Equity (ROE) | 11.5800% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.6020% | 2,020 |
| Net charge-offs to loans | 0.0393% | 1,522 |
| Credit loss provision to net charge-offs | 153.5211% | 1,453 |
| Earnings coverage of net charge-offs (x) | 21.7042% | 1,832 |
| Efficiency ratio | 83.3099% | 700 |
| Assets per employee ($millions) | 5.4831% | 3,268 |
| Cash dividends to net income (ytd only)* | 43.0000% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 4,315 |
| Loan loss allowance to noncurrent loans | 70.0358% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 1,397 |
| Noncurrent loans to loans | 0.7562% | 1,035 |
| Net loans and leases to total assets | 52.2900% | 3,465 |
| Net loans and leases to deposits | 57.5670% | 3,643 |
| Net loans and leases to core deposits | 61.3988% | 3,704 |
| Total domestic deposits to total assets | 90.8300% | 551 |
| Equity capital to assets | 3.9009% | 4,502 |
| Core capital (leverage) ratio | 8.5786% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5252% | 1,176 |
| Memoranda: | ||
| Average total assets | $354,920,200 | 2,176 |
| Average earning assets | $334,442,600 | 2,155 |
| Average equity | $11,223,800 | 3,597 |
| Average total loans | $180,565,000 | 2,439 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4556% | 4,402 |
| Cost of funding earning assets | 0.9984% | 3,048 |
| Net interest margin | 2.4572% | 4,185 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.1645% | 3,166 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4072% | 3,956 |
| Return on assets (ROA) | 0.4072% | 3,946 |
| Pretax return on assets | 0.4544% | 3,983 |
| Return on Equity (ROE) | 13.6600% | 1,744 |
| Retained earnings to average equity (ytd only) | 8.0444% | 1,953 |
| Net charge-offs to loans | 0.0453% | 1,242 |
| Credit loss provision to net charge-offs | 134.4262% | 1,393 |
| Earnings coverage of net charge-offs (x) | 21.2295% | 1,785 |
| Efficiency ratio | 81.6909% | 748 |
| Assets per employee ($millions) | 5.3360% | 3,317 |
| Cash dividends to net income (ytd only)* | 41.1224% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5216% | 4,335 |
| Loan loss allowance to noncurrent loans | 71.8236% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 1,508 |
| Noncurrent loans to loans | 0.7262% | 1,144 |
| Net loans and leases to total assets | 52.0400% | 3,496 |
| Net loans and leases to deposits | 56.8475% | 3,667 |
| Net loans and leases to core deposits | 60.7546% | 3,667 |
| Total domestic deposits to total assets | 91.5500% | 547 |
| Equity capital to assets | 2.6470% | 4,513 |
| Core capital (leverage) ratio | 8.2837% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1055% | 1,294 |
| Memoranda: | ||
| Average total assets | $355,921,000 | 2,180 |
| Average earning assets | $335,330,500 | 2,160 |
| Average equity | $10,607,500 | 3,660 |
| Average total loans | $179,589,750 | 2,454 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3734% | 4,430 |
| Cost of funding earning assets | 0.8709% | 3,027 |
| Net interest margin | 2.5024% | 4,207 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.1228% | 3,286 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.4743% | 3,864 |
| Return on assets (ROA) | 0.4743% | 3,868 |
| Pretax return on assets | 0.5376% | 3,899 |
| Return on Equity (ROE) | 15.3500% | 1,400 |
| Retained earnings to average equity (ytd only) | 9.2787% | 1,611 |
| Net charge-offs to loans | 0.0528% | 988 |
| Credit loss provision to net charge-offs | 110.6383% | 1,376 |
| Earnings coverage of net charge-offs (x) | 21.5319% | 1,717 |
| Efficiency ratio | 78.9298% | 925 |
| Assets per employee ($millions) | 5.1645% | 3,443 |
| Cash dividends to net income (ytd only)* | 39.5514% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5212% | 4,364 |
| Loan loss allowance to noncurrent loans | 74.6445% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 1,489 |
| Noncurrent loans to loans | 0.6982% | 1,072 |
| Net loans and leases to total assets | 49.8900% | 3,569 |
| Net loans and leases to deposits | 53.1767% | 3,788 |
| Net loans and leases to core deposits | 56.8649% | 3,778 |
| Total domestic deposits to total assets | 93.8200% | 163 |
| Equity capital to assets | 3.0851% | 4,564 |
| Core capital (leverage) ratio | 8.2065% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8045% | 1,155 |
| Memoranda: | ||
| Average total assets | $357,169,000 | 2,176 |
| Average earning assets | $336,875,000 | 2,153 |
| Average equity | $11,036,000 | 3,630 |
| Average total loans | $178,036,000 | 2,465 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3096% | 4,430 |
| Cost of funding earning assets | 0.7787% | 2,809 |
| Net interest margin | 2.5309% | 4,275 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.1364% | 3,283 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4800% | 3,947 |
| Return on assets (ROA) | 0.4800% | 3,904 |
| Pretax return on assets | 0.5442% | 3,929 |
| Return on Equity (ROE) | 15.5200% | 1,456 |
| Retained earnings to average equity (ytd only) | 9.4010% | 1,836 |
| Net charge-offs to loans | 0.0431% | 927 |
| Credit loss provision to net charge-offs | 121.0526% | 1,034 |
| Earnings coverage of net charge-offs (x) | 26.6316% | 1,348 |
| Efficiency ratio | 78.9342% | 913 |
| Assets per employee ($millions) | 5.7810% | 2,955 |
| Cash dividends to net income (ytd only)* | 39.4366% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5336% | 4,415 |
| Loan loss allowance to noncurrent loans | 91.6505% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,693 |
| Noncurrent loans to loans | 0.5823% | 1,275 |
| Net loans and leases to total assets | 49.0900% | 3,559 |
| Net loans and leases to deposits | 52.4492% | 3,771 |
| Net loans and leases to core deposits | 55.7916% | 3,753 |
| Total domestic deposits to total assets | 93.6000% | 214 |
| Equity capital to assets | 3.2947% | 4,585 |
| Core capital (leverage) ratio | 8.2737% | 4,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4947% | 1,069 |
| Memoranda: | ||
| Average total assets | $354,995,000 | 2,214 |
| Average earning assets | $334,899,500 | 2,186 |
| Average equity | $10,977,500 | 3,676 |
| Average total loans | $176,398,000 | 2,498 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9795% | 4,159 |
| Cost of funding earning assets | 0.2796% | 3,048 |
| Net interest margin | 2.6999% | 4,054 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.1578% | 3,137 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.6654% | 3,720 |
| Return on assets (ROA) | 0.6656% | 3,669 |
| Pretax return on assets | 0.7585% | 3,725 |
| Return on Equity (ROE) | 16.3200% | 993 |
| Retained earnings to average equity (ytd only) | 10.7523% | 944 |
| Net charge-offs to loans | 0.0335% | 1,403 |
| Credit loss provision to net charge-offs | 245.6140% | 1,004 |
| Earnings coverage of net charge-offs (x) | 49.3158% | 1,375 |
| Efficiency ratio | 73.0049% | 1,325 |
| Assets per employee ($millions) | 5.6705% | 3,063 |
| Cash dividends to net income (ytd only)* | 34.1151% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,105 |
| Loan loss allowance to noncurrent loans | 152.7183% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 1,474 |
| Noncurrent loans to loans | 0.6902% | 1,085 |
| Net loans and leases to total assets | 49.5100% | 3,542 |
| Net loans and leases to deposits | 53.0494% | 3,733 |
| Net loans and leases to core deposits | 54.9980% | 3,769 |
| Total domestic deposits to total assets | 93.3200% | 342 |
| Equity capital to assets | 2.8859% | 4,613 |
| Core capital (leverage) ratio | 8.1157% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8664% | 1,149 |
| Memoranda: | ||
| Average total assets | $352,297,200 | 2,218 |
| Average earning assets | $333,646,200 | 2,183 |
| Average equity | $14,369,000 | 3,425 |
| Average total loans | $169,895,800 | 2,456 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9018% | 4,059 |
| Cost of funding earning assets | 0.2525% | 2,673 |
| Net interest margin | 2.6493% | 4,024 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.1633% | 3,028 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.6537% | 3,684 |
| Return on assets (ROA) | 0.6540% | 3,642 |
| Pretax return on assets | 0.7380% | 3,718 |
| Return on Equity (ROE) | 14.9500% | 1,187 |
| Retained earnings to average equity (ytd only) | 9.7763% | 1,409 |
| Net charge-offs to loans | 0.0420% | 1,076 |
| Credit loss provision to net charge-offs | 192.4528% | 997 |
| Earnings coverage of net charge-offs (x) | 38.7170% | 1,404 |
| Efficiency ratio | 73.5941% | 1,323 |
| Assets per employee ($millions) | 5.6458% | 3,081 |
| Cash dividends to net income (ytd only)* | 34.5865% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,211 |
| Loan loss allowance to noncurrent loans | 153.9763% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 1,593 |
| Noncurrent loans to loans | 0.6876% | 1,185 |
| Net loans and leases to total assets | 48.5900% | 3,569 |
| Net loans and leases to deposits | 49.8978% | 3,863 |
| Net loans and leases to core deposits | 51.3363% | 3,887 |
| Total domestic deposits to total assets | 97.3800% | 67 |
| Equity capital to assets | 2.3677% | 4,644 |
| Core capital (leverage) ratio | 7.8176% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5144% | 1,084 |
| Memoranda: | ||
| Average total assets | $352,479,500 | 2,229 |
| Average earning assets | $334,313,750 | 2,194 |
| Average equity | $15,424,750 | 3,370 |
| Average total loans | $168,395,250 | 2,468 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8134% | 3,951 |
| Cost of funding earning assets | 0.2449% | 2,334 |
| Net interest margin | 2.5685% | 3,960 |
| Noninterest income to average assets | 0.4818% | 2,300 |
| Noninterest expense to average assets | 2.1325% | 3,056 |
| Loan and lease loss provision to assets | 0.0408% | 1,850 |
| Net operating income to assets | 0.6737% | 3,400 |
| Return on assets (ROA) | 0.6742% | 3,349 |
| Pretax return on assets | 0.7495% | 3,450 |
| Return on Equity (ROE) | 13.3793% | 1,274 |
| Retained earnings to average equity (ytd only) | 8.9195% | 1,313 |
| Net charge-offs to loans | 0.0443% | 944 |
| Credit loss provision to net charge-offs | 194.5946% | 983 |
| Earnings coverage of net charge-offs (x) | 37.7027% | 1,285 |
| Efficiency ratio | 72.9756% | 1,631 |
| Assets per employee ($millions) | 5.6498% | 3,086 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,321 |
| Loan loss allowance to noncurrent loans | 150.7513% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 1,651 |
| Noncurrent loans to loans | 0.7036% | 1,225 |
| Net loans and leases to total assets | 47.3279% | 3,603 |
| Net loans and leases to deposits | 48.8401% | 3,872 |
| Net loans and leases to core deposits | 50.5217% | 3,909 |
| Total domestic deposits to total assets | 96.9037% | 55 |
| Equity capital to assets | 2.8452% | 4,698 |
| Core capital (leverage) ratio | 7.7341% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0243% | 1,182 |
| Memoranda: | ||
| Average total assets | $353,292,333 | 2,237 |
| Average earning assets | $335,684,333 | 2,203 |
| Average equity | $17,803,667 | 3,252 |
| Average total loans | $167,222,667 | 2,489 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7579% | 3,825 |
| Cost of funding earning assets | 0.2505% | 2,156 |
| Net interest margin | 2.5074% | 3,895 |
| Noninterest income to average assets | 0.6569% | 1,458 |
| Noninterest expense to average assets | 2.1252% | 3,064 |
| Loan and lease loss provision to assets | 0.0080% | 2,173 |
| Net operating income to assets | 0.8376% | 2,528 |
| Return on assets (ROA) | 0.8376% | 2,522 |
| Pretax return on assets | 0.9126% | 2,726 |
| Return on Equity (ROE) | 13.6217% | 908 |
| Retained earnings to average equity (ytd only) | 9.9991% | 1,023 |
| Net charge-offs to loans | 0.0435% | 852 |
| Credit loss provision to net charge-offs | 38.8889% | 1,233 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 961 |
| Efficiency ratio | 69.7761% | 2,262 |
| Assets per employee ($millions) | 5.5957% | 3,234 |
| Cash dividends to net income (ytd only)* | 26.5943% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,488 |
| Loan loss allowance to noncurrent loans | 153.8462% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 1,638 |
| Noncurrent loans to loans | 0.6900% | 1,373 |
| Net loans and leases to total assets | 46.5318% | 3,531 |
| Net loans and leases to deposits | 49.4534% | 3,774 |
| Net loans and leases to core deposits | 50.4227% | 3,849 |
| Total domestic deposits to total assets | 94.0921% | 107 |
| Equity capital to assets | 5.1255% | 4,709 |
| Core capital (leverage) ratio | 7.7007% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8212% | 1,076 |
| Memoranda: | ||
| Average total assets | $351,970,500 | 2,247 |
| Average earning assets | $335,331,000 | 2,210 |
| Average equity | $21,642,000 | 3,013 |
| Average total loans | $165,702,500 | 2,501 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9519% | 3,958 |
| Cost of funding earning assets | 0.2921% | 2,479 |
| Net interest margin | 2.6597% | 3,944 |
| Noninterest income to average assets | 0.3107% | 3,548 |
| Noninterest expense to average assets | 2.2358% | 2,980 |
| Loan and lease loss provision to assets | -0.0260% | 4,252 |
| Net operating income to assets | 0.5356% | 4,006 |
| Return on assets (ROA) | 0.5473% | 4,036 |
| Pretax return on assets | 0.6477% | 4,038 |
| Return on Equity (ROE) | 7.2073% | 3,459 |
| Retained earnings to average equity (ytd only) | 3.7262% | 3,329 |
| Net charge-offs to loans | -0.0048% | 3,548 |
| Credit loss provision to net charge-offs | 1,100.0000% | 496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6248% | 895 |
| Assets per employee ($millions) | 5.4063% | 3,348 |
| Cash dividends to net income (ytd only)* | 48.3001% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,479 |
| Loan loss allowance to noncurrent loans | 158.8341% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 1,758 |
| Noncurrent loans to loans | 0.6733% | 1,486 |
| Net loans and leases to total assets | 46.6222% | 3,642 |
| Net loans and leases to deposits | 50.3579% | 3,859 |
| Net loans and leases to core deposits | 51.3617% | 3,939 |
| Total domestic deposits to total assets | 92.5816% | 83 |
| Equity capital to assets | 7.1753% | 4,686 |
| Core capital (leverage) ratio | 7.5588% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7416% | 1,109 |
| Memoranda: | ||
| Average total assets | $338,577,000 | 2,253 |
| Average earning assets | $322,441,200 | 2,220 |
| Average equity | $25,710,000 | 2,800 |
| Average total loans | $166,132,400 | 2,502 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9729% | 4,054 |
| Cost of funding earning assets | 0.3008% | 2,585 |
| Net interest margin | 2.6721% | 4,024 |
| Noninterest income to average assets | 0.3141% | 3,543 |
| Noninterest expense to average assets | 2.2848% | 2,791 |
| Loan and lease loss provision to assets | -0.0271% | 4,381 |
| Net operating income to assets | 0.5047% | 4,192 |
| Return on assets (ROA) | 0.5204% | 4,208 |
| Pretax return on assets | 0.6178% | 4,211 |
| Return on Equity (ROE) | 6.7559% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.2928% | 3,801 |
| Net charge-offs to loans | -0.0072% | 3,550 |
| Credit loss provision to net charge-offs | 755.5556% | 612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9750% | 746 |
| Assets per employee ($millions) | 5.5270% | 3,169 |
| Cash dividends to net income (ytd only)* | 51.2605% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,474 |
| Loan loss allowance to noncurrent loans | 167.4766% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 2,024 |
| Noncurrent loans to loans | 0.6524% | 1,680 |
| Net loans and leases to total assets | 45.8599% | 3,806 |
| Net loans and leases to deposits | 49.6786% | 4,020 |
| Net loans and leases to core deposits | 50.6648% | 4,100 |
| Total domestic deposits to total assets | 92.3132% | 76 |
| Equity capital to assets | 7.4179% | 4,726 |
| Core capital (leverage) ratio | 7.4993% | 4,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3826% | 1,520 |
| Memoranda: | ||
| Average total assets | $335,368,250 | 2,287 |
| Average earning assets | $319,146,500 | 2,258 |
| Average equity | $25,833,750 | 2,829 |
| Average total loans | $166,263,750 | 2,538 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9253% | 4,182 |
| Cost of funding earning assets | 0.3120% | 2,661 |
| Net interest margin | 2.6134% | 4,141 |
| Noninterest income to average assets | 0.3134% | 3,550 |
| Noninterest expense to average assets | 2.3174% | 2,712 |
| Loan and lease loss provision to assets | -0.0358% | 4,478 |
| Net operating income to assets | 0.4343% | 4,328 |
| Return on assets (ROA) | 0.4568% | 4,331 |
| Pretax return on assets | 0.5418% | 4,323 |
| Return on Equity (ROE) | 5.8524% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.3737% | 4,024 |
| Net charge-offs to loans | -0.0012% | 3,111 |
| Credit loss provision to net charge-offs | 5,900.0000% | 111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8627% | 622 |
| Assets per employee ($millions) | 5.3196% | 3,333 |
| Cash dividends to net income (ytd only)* | 59.4415% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,471 |
| Loan loss allowance to noncurrent loans | 159.0949% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 2,185 |
| Noncurrent loans to loans | 0.6833% | 1,713 |
| Net loans and leases to total assets | 47.1792% | 3,808 |
| Net loans and leases to deposits | 51.0755% | 4,043 |
| Net loans and leases to core deposits | 52.1054% | 4,129 |
| Total domestic deposits to total assets | 92.3716% | 75 |
| Equity capital to assets | 7.3811% | 4,771 |
| Core capital (leverage) ratio | 7.6224% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,249,333 | 2,313 |
| Average earning assets | $312,852,000 | 2,275 |
| Average equity | $25,698,667 | 2,831 |
| Average total loans | $167,015,000 | 2,535 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0571% | 3,972 |
| Cost of funding earning assets | 0.3284% | 2,720 |
| Net interest margin | 2.7287% | 3,904 |
| Noninterest income to average assets | 0.2991% | 3,618 |
| Noninterest expense to average assets | 2.4026% | 2,480 |
| Loan and lease loss provision to assets | -0.0100% | 4,579 |
| Net operating income to assets | 0.4175% | 4,330 |
| Return on assets (ROA) | 0.4175% | 4,360 |
| Pretax return on assets | 0.4947% | 4,359 |
| Return on Equity (ROE) | 5.1964% | 4,055 |
| Retained earnings to average equity (ytd only) | 1.7218% | 4,070 |
| Net charge-offs to loans | -0.0095% | 3,650 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2110% | 638 |
| Assets per employee ($millions) | 5.1186% | 3,512 |
| Cash dividends to net income (ytd only)* | 66.8657% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,451 |
| Loan loss allowance to noncurrent loans | 141.7498% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 2,190 |
| Noncurrent loans to loans | 0.7737% | 1,692 |
| Net loans and leases to total assets | 50.0601% | 3,622 |
| Net loans and leases to deposits | 54.3328% | 3,916 |
| Net loans and leases to core deposits | 55.4717% | 4,011 |
| Total domestic deposits to total assets | 92.1361% | 120 |
| Equity capital to assets | 7.6207% | 4,667 |
| Core capital (leverage) ratio | 8.1121% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,987,500 | 2,336 |
| Average earning assets | $304,467,000 | 2,303 |
| Average equity | $25,787,000 | 2,813 |
| Average total loans | $168,059,500 | 2,528 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 3,955 |
| Cost of funding earning assets | 0.4087% | 3,527 |
| Net interest margin | 3.1257% | 3,567 |
| Noninterest income to average assets | 0.3450% | 3,398 |
| Noninterest expense to average assets | 2.6209% | 2,481 |
| Loan and lease loss provision to assets | 0.0056% | 4,283 |
| Net operating income to assets | 0.5666% | 3,854 |
| Return on assets (ROA) | 0.5666% | 3,957 |
| Pretax return on assets | 0.6883% | 3,905 |
| Return on Equity (ROE) | 6.2298% | 3,508 |
| Retained earnings to average equity (ytd only) | 1.2875% | 4,111 |
| Net charge-offs to loans | 0.0655% | 1,845 |
| Credit loss provision to net charge-offs | 14.2857% | 3,246 |
| Earnings coverage of net charge-offs (x) | 17.7232% | 2,064 |
| Efficiency ratio | 79.0678% | 955 |
| Assets per employee ($millions) | 4.7579% | 3,652 |
| Cash dividends to net income (ytd only)* | 79.3337% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,446 |
| Loan loss allowance to noncurrent loans | 182.0059% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 2,457 |
| Noncurrent loans to loans | 0.6064% | 2,182 |
| Net loans and leases to total assets | 53.6323% | 3,523 |
| Net loans and leases to deposits | 58.7299% | 3,849 |
| Net loans and leases to core deposits | 60.1498% | 3,936 |
| Total domestic deposits to total assets | 91.3203% | 155 |
| Equity capital to assets | 8.4779% | 4,459 |
| Core capital (leverage) ratio | 8.3805% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,082,600 | 2,365 |
| Average earning assets | $271,807,200 | 2,334 |
| Average equity | $26,020,200 | 2,739 |
| Average total loans | $171,109,400 | 2,478 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5780% | 4,071 |
| Cost of funding earning assets | 0.4199% | 3,704 |
| Net interest margin | 3.1581% | 3,602 |
| Noninterest income to average assets | 0.3606% | 3,309 |
| Noninterest expense to average assets | 2.6558% | 2,374 |
| Loan and lease loss provision to assets | 0.0004% | 4,237 |
| Net operating income to assets | 0.5751% | 3,846 |
| Return on assets (ROA) | 0.5751% | 3,940 |
| Pretax return on assets | 0.7021% | 3,895 |
| Return on Equity (ROE) | 6.2069% | 3,478 |
| Retained earnings to average equity (ytd only) | 1.8995% | 3,963 |
| Net charge-offs to loans | 0.0690% | 1,630 |
| Credit loss provision to net charge-offs | 1.1236% | 3,004 |
| Earnings coverage of net charge-offs (x) | 16.5955% | 2,053 |
| Efficiency ratio | 79.0793% | 933 |
| Assets per employee ($millions) | 4.6081% | 3,717 |
| Cash dividends to net income (ytd only)* | 69.3962% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,390 |
| Loan loss allowance to noncurrent loans | 155.2588% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 2,567 |
| Noncurrent loans to loans | 0.6858% | 2,074 |
| Net loans and leases to total assets | 56.8290% | 3,541 |
| Net loans and leases to deposits | 62.4468% | 3,900 |
| Net loans and leases to core deposits | 64.0692% | 4,007 |
| Total domestic deposits to total assets | 91.0040% | 174 |
| Equity capital to assets | 8.6087% | 4,395 |
| Core capital (leverage) ratio | 8.4786% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,287,500 | 2,377 |
| Average earning assets | $266,064,000 | 2,348 |
| Average equity | $25,970,500 | 2,736 |
| Average total loans | $171,957,750 | 2,469 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 4,076 |
| Cost of funding earning assets | 0.4245% | 3,927 |
| Net interest margin | 3.2819% | 3,431 |
| Noninterest income to average assets | 0.3782% | 3,213 |
| Noninterest expense to average assets | 2.7488% | 2,222 |
| Loan and lease loss provision to assets | 0.0132% | 4,057 |
| Net operating income to assets | 0.5934% | 3,763 |
| Return on assets (ROA) | 0.5934% | 3,842 |
| Pretax return on assets | 0.7278% | 3,804 |
| Return on Equity (ROE) | 6.2394% | 3,421 |
| Retained earnings to average equity (ytd only) | 1.9151% | 3,794 |
| Net charge-offs to loans | 0.0947% | 1,315 |
| Credit loss provision to net charge-offs | 22.2222% | 2,724 |
| Earnings coverage of net charge-offs (x) | 12.4568% | 2,051 |
| Efficiency ratio | 78.7668% | 980 |
| Assets per employee ($millions) | 4.5588% | 3,710 |
| Cash dividends to net income (ytd only)* | 69.3069% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 3,198 |
| Loan loss allowance to noncurrent loans | 148.1132% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 2,378 |
| Noncurrent loans to loans | 0.7273% | 2,060 |
| Net loans and leases to total assets | 59.2976% | 3,399 |
| Net loans and leases to deposits | 65.2721% | 3,780 |
| Net loans and leases to core deposits | 66.9327% | 3,928 |
| Total domestic deposits to total assets | 90.8467% | 190 |
| Equity capital to assets | 8.9463% | 4,132 |
| Core capital (leverage) ratio | 9.0304% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,338,333 | 2,400 |
| Average earning assets | $258,207,000 | 2,370 |
| Average equity | $25,900,000 | 2,726 |
| Average total loans | $171,044,667 | 2,460 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 3,837 |
| Cost of funding earning assets | 0.4300% | 4,236 |
| Net interest margin | 3.5545% | 2,806 |
| Noninterest income to average assets | 0.4645% | 2,729 |
| Noninterest expense to average assets | 2.8969% | 2,133 |
| Loan and lease loss provision to assets | 0.0716% | 2,841 |
| Net operating income to assets | 0.6930% | 3,299 |
| Return on assets (ROA) | 0.6930% | 3,367 |
| Pretax return on assets | 0.8575% | 3,261 |
| Return on Equity (ROE) | 7.0545% | 2,921 |
| Retained earnings to average equity (ytd only) | 2.7133% | 3,194 |
| Net charge-offs to loans | 0.1561% | 829 |
| Credit loss provision to net charge-offs | 71.2121% | 1,974 |
| Earnings coverage of net charge-offs (x) | 9.2424% | 1,827 |
| Efficiency ratio | 75.7166% | 1,596 |
| Assets per employee ($millions) | 4.0662% | 3,833 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 3,033 |
| Loan loss allowance to noncurrent loans | 184.2407% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 2,811 |
| Noncurrent loans to loans | 0.6144% | 2,452 |
| Net loans and leases to total assets | 63.7422% | 3,097 |
| Net loans and leases to deposits | 70.8148% | 3,531 |
| Net loans and leases to core deposits | 72.8052% | 3,711 |
| Total domestic deposits to total assets | 90.0126% | 317 |
| Equity capital to assets | 9.8138% | 3,948 |
| Core capital (leverage) ratio | 9.7175% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,625,500 | 2,413 |
| Average earning assets | $248,362,500 | 2,381 |
| Average equity | $25,799,000 | 2,721 |
| Average total loans | $169,120,500 | 2,461 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 4,156 |
| Cost of funding earning assets | 0.4471% | 4,279 |
| Net interest margin | 3.5965% | 3,145 |
| Noninterest income to average assets | 0.3759% | 3,449 |
| Noninterest expense to average assets | 2.6853% | 2,925 |
| Loan and lease loss provision to assets | 0.0358% | 3,296 |
| Net operating income to assets | 0.8672% | 3,328 |
| Return on assets (ROA) | 0.8672% | 3,418 |
| Pretax return on assets | 1.0677% | 3,273 |
| Return on Equity (ROE) | 9.0114% | 2,752 |
| Retained earnings to average equity (ytd only) | 3.2621% | 3,382 |
| Net charge-offs to loans | 0.0883% | 1,854 |
| Credit loss provision to net charge-offs | 63.5135% | 2,998 |
| Earnings coverage of net charge-offs (x) | 19.5946% | 1,988 |
| Efficiency ratio | 70.8748% | 2,036 |
| Assets per employee ($millions) | 4.0146% | 3,883 |
| Cash dividends to net income (ytd only)* | 63.7999% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 2,642 |
| Loan loss allowance to noncurrent loans | 185.0760% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,645 |
| Noncurrent loans to loans | 0.6268% | 2,322 |
| Net loans and leases to total assets | 63.5730% | 3,249 |
| Net loans and leases to deposits | 70.6183% | 3,615 |
| Net loans and leases to core deposits | 72.6222% | 3,819 |
| Total domestic deposits to total assets | 90.0233% | 311 |
| Equity capital to assets | 9.8333% | 4,075 |
| Core capital (leverage) ratio | 9.5363% | 4,020 |
| Tier 1 risk-based capital ratio | 17.4875% | 1,897 |
| Total risk-based capital ratio | 18.7383% | 1,851 |
| Memoranda: | ||
| Average total assets | $262,802,200 | 2,381 |
| Average earning assets | $249,384,800 | 2,343 |
| Average equity | $25,290,200 | 2,696 |
| Average total loans | $167,568,400 | 2,432 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 4,282 |
| Cost of funding earning assets | 0.4384% | 4,372 |
| Net interest margin | 3.6029% | 3,240 |
| Noninterest income to average assets | 0.3783% | 3,447 |
| Noninterest expense to average assets | 2.6006% | 3,167 |
| Loan and lease loss provision to assets | 0.0238% | 3,422 |
| Net operating income to assets | 0.9638% | 3,106 |
| Return on assets (ROA) | 0.9638% | 3,188 |
| Pretax return on assets | 1.1750% | 3,061 |
| Return on Equity (ROE) | 10.0694% | 2,400 |
| Retained earnings to average equity (ytd only) | 5.6300% | 2,553 |
| Net charge-offs to loans | 0.0708% | 1,812 |
| Credit loss provision to net charge-offs | 52.8090% | 2,767 |
| Earnings coverage of net charge-offs (x) | 26.5963% | 1,736 |
| Efficiency ratio | 68.4484% | 2,350 |
| Assets per employee ($millions) | 4.1901% | 3,631 |
| Cash dividends to net income (ytd only)* | 44.0883% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,688 |
| Loan loss allowance to noncurrent loans | 217.9088% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 3,146 |
| Noncurrent loans to loans | 0.5348% | 2,686 |
| Net loans and leases to total assets | 61.9582% | 3,500 |
| Net loans and leases to deposits | 68.6661% | 3,868 |
| Net loans and leases to core deposits | 70.6438% | 4,022 |
| Total domestic deposits to total assets | 90.2311% | 231 |
| Equity capital to assets | 9.6574% | 4,329 |
| Core capital (leverage) ratio | 9.5515% | 4,112 |
| Tier 1 risk-based capital ratio | 17.8905% | 1,853 |
| Total risk-based capital ratio | 19.1414% | 1,796 |
| Memoranda: | ||
| Average total assets | $263,265,500 | 2,390 |
| Average earning assets | $249,979,500 | 2,355 |
| Average equity | $25,197,750 | 2,716 |
| Average total loans | $167,500,500 | 2,458 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 4,307 |
| Cost of funding earning assets | 0.4251% | 4,414 |
| Net interest margin | 3.6097% | 3,222 |
| Noninterest income to average assets | 0.3662% | 3,485 |
| Noninterest expense to average assets | 2.5119% | 3,436 |
| Loan and lease loss provision to assets | 0.0023% | 3,660 |
| Net operating income to assets | 1.0419% | 2,761 |
| Return on assets (ROA) | 1.0419% | 2,832 |
| Pretax return on assets | 1.2789% | 2,639 |
| Return on Equity (ROE) | 10.9196% | 2,012 |
| Retained earnings to average equity (ytd only) | 6.4412% | 2,084 |
| Net charge-offs to loans | 0.0574% | 1,827 |
| Credit loss provision to net charge-offs | 6.2500% | 2,708 |
| Earnings coverage of net charge-offs (x) | 34.9167% | 1,341 |
| Efficiency ratio | 66.2233% | 2,784 |
| Assets per employee ($millions) | 4.0690% | 3,779 |
| Cash dividends to net income (ytd only)* | 41.0125% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,675 |
| Loan loss allowance to noncurrent loans | 195.1098% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 2,961 |
| Noncurrent loans to loans | 0.5990% | 2,477 |
| Net loans and leases to total assets | 62.5094% | 3,492 |
| Net loans and leases to deposits | 69.3531% | 3,895 |
| Net loans and leases to core deposits | 71.2145% | 4,051 |
| Total domestic deposits to total assets | 90.1321% | 300 |
| Equity capital to assets | 9.6924% | 4,238 |
| Core capital (leverage) ratio | 9.5193% | 4,123 |
| Tier 1 risk-based capital ratio | 17.6800% | 1,887 |
| Total risk-based capital ratio | 18.9311% | 1,839 |
| Memoranda: | ||
| Average total assets | $261,631,330 | 2,410 |
| Average earning assets | $248,384,000 | 2,370 |
| Average equity | $24,964,330 | 2,729 |
| Average total loans | $167,297,000 | 2,470 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 4,411 |
| Cost of funding earning assets | 0.4048% | 4,462 |
| Net interest margin | 3.5740% | 3,351 |
| Noninterest income to average assets | 0.3628% | 3,426 |
| Noninterest expense to average assets | 2.6241% | 3,145 |
| Loan and lease loss provision to assets | 0.0707% | 2,246 |
| Net operating income to assets | 0.8639% | 3,382 |
| Return on assets (ROA) | 0.8639% | 3,432 |
| Pretax return on assets | 1.0607% | 3,265 |
| Return on Equity (ROE) | 9.1275% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.5800% | 3,092 |
| Net charge-offs to loans | 0.0980% | 1,158 |
| Credit loss provision to net charge-offs | 112.1951% | 1,479 |
| Earnings coverage of net charge-offs (x) | 17.9512% | 1,642 |
| Efficiency ratio | 69.8731% | 2,361 |
| Assets per employee ($millions) | 4.1802% | 3,657 |
| Cash dividends to net income (ytd only)* | 49.8221% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,571 |
| Loan loss allowance to noncurrent loans | 195.7073% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 2,962 |
| Noncurrent loans to loans | 0.6134% | 2,499 |
| Net loans and leases to total assets | 62.6917% | 3,434 |
| Net loans and leases to deposits | 69.2846% | 3,827 |
| Net loans and leases to core deposits | 71.0613% | 4,002 |
| Total domestic deposits to total assets | 90.4843% | 294 |
| Equity capital to assets | 9.4299% | 4,321 |
| Core capital (leverage) ratio | 9.5828% | 4,041 |
| Tier 1 risk-based capital ratio | 18.1272% | 1,764 |
| Total risk-based capital ratio | 19.3798% | 1,720 |
| Memoranda: | ||
| Average total assets | $260,204,500 | 2,443 |
| Average earning assets | $247,007,000 | 2,403 |
| Average equity | $24,629,000 | 2,752 |
| Average total loans | $167,304,000 | 2,498 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,547 |
| Cost of funding earning assets | 0.3495% | 4,283 |
| Net interest margin | 3.4247% | 3,926 |
| Noninterest income to average assets | 0.3698% | 3,619 |
| Noninterest expense to average assets | 2.4366% | 3,781 |
| Loan and lease loss provision to assets | 0.1254% | 1,753 |
| Net operating income to assets | 0.8691% | 3,541 |
| Return on assets (ROA) | 0.8691% | 3,536 |
| Pretax return on assets | 1.0610% | 3,408 |
| Return on Equity (ROE) | 9.6047% | 2,689 |
| Retained earnings to average equity (ytd only) | 3.7025% | 3,542 |
| Net charge-offs to loans | 0.1807% | 1,060 |
| Credit loss provision to net charge-offs | 109.2105% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.3322% | 2,729 |
| Efficiency ratio | 67.2540% | 2,667 |
| Assets per employee ($millions) | 4.0802% | 3,774 |
| Cash dividends to net income (ytd only)* | 61.4515% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,598 |
| Loan loss allowance to noncurrent loans | 196.9488% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,846 |
| Noncurrent loans to loans | 0.6066% | 2,460 |
| Net loans and leases to total assets | 64.3831% | 3,315 |
| Net loans and leases to deposits | 71.1742% | 3,731 |
| Net loans and leases to core deposits | 73.0504% | 3,919 |
| Total domestic deposits to total assets | 90.4585% | 335 |
| Equity capital to assets | 9.5015% | 4,133 |
| Core capital (leverage) ratio | 9.3310% | 4,324 |
| Tier 1 risk-based capital ratio | 18.4497% | 1,627 |
| Total risk-based capital ratio | 19.7023% | 1,583 |
| Memoranda: | ||
| Average total assets | $264,750,200 | 2,371 |
| Average earning assets | $251,499,200 | 2,326 |
| Average equity | $23,957,000 | 2,734 |
| Average total loans | $168,212,800 | 2,454 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,657 |
| Cost of funding earning assets | 0.3320% | 4,296 |
| Net interest margin | 3.3655% | 4,118 |
| Noninterest income to average assets | 0.3645% | 3,695 |
| Noninterest expense to average assets | 2.3959% | 3,865 |
| Loan and lease loss provision to assets | 0.1190% | 1,703 |
| Net operating income to assets | 0.8355% | 3,796 |
| Return on assets (ROA) | 0.8355% | 3,803 |
| Pretax return on assets | 1.0474% | 3,582 |
| Return on Equity (ROE) | 9.3453% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.8768% | 3,303 |
| Net charge-offs to loans | 0.1045% | 1,439 |
| Credit loss provision to net charge-offs | 180.3030% | 1,495 |
| Earnings coverage of net charge-offs (x) | 17.6738% | 2,102 |
| Efficiency ratio | 67.2561% | 2,670 |
| Assets per employee ($millions) | 4.1942% | 3,584 |
| Cash dividends to net income (ytd only)* | 47.8159% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,389 |
| Loan loss allowance to noncurrent loans | 155.3064% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 2,588 |
| Noncurrent loans to loans | 0.8008% | 2,109 |
| Net loans and leases to total assets | 62.4449% | 3,609 |
| Net loans and leases to deposits | 68.7881% | 4,001 |
| Net loans and leases to core deposits | 70.4084% | 4,166 |
| Total domestic deposits to total assets | 90.7786% | 273 |
| Equity capital to assets | 9.1389% | 4,430 |
| Core capital (leverage) ratio | 9.2233% | 4,492 |
| Tier 1 risk-based capital ratio | 17.9976% | 1,797 |
| Total risk-based capital ratio | 19.2505% | 1,750 |
| Memoranda: | ||
| Average total assets | $266,674,000 | 2,369 |
| Average earning assets | $253,390,750 | 2,330 |
| Average equity | $23,840,250 | 2,754 |
| Average total loans | $168,390,750 | 2,468 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,667 |
| Cost of funding earning assets | 0.3162% | 4,300 |
| Net interest margin | 3.3434% | 4,128 |
| Noninterest income to average assets | 0.3581% | 3,758 |
| Noninterest expense to average assets | 2.3867% | 3,934 |
| Loan and lease loss provision to assets | 0.0643% | 2,616 |
| Net operating income to assets | 0.8830% | 3,536 |
| Return on assets (ROA) | 0.8830% | 3,537 |
| Pretax return on assets | 1.0849% | 3,372 |
| Return on Equity (ROE) | 9.9504% | 2,582 |
| Retained earnings to average equity (ytd only) | 5.5776% | 2,781 |
| Net charge-offs to loans | 0.0675% | 1,663 |
| Credit loss provision to net charge-offs | 150.8772% | 1,575 |
| Earnings coverage of net charge-offs (x) | 26.9649% | 1,583 |
| Efficiency ratio | 67.4984% | 2,726 |
| Assets per employee ($millions) | 4.1557% | 3,648 |
| Cash dividends to net income (ytd only)* | 43.9458% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,758 |
| Loan loss allowance to noncurrent loans | 143.5125% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 2,572 |
| Noncurrent loans to loans | 0.8322% | 2,061 |
| Net loans and leases to total assets | 62.2728% | 3,565 |
| Net loans and leases to deposits | 68.4899% | 3,987 |
| Net loans and leases to core deposits | 69.9894% | 4,145 |
| Total domestic deposits to total assets | 90.9226% | 266 |
| Equity capital to assets | 9.0297% | 4,534 |
| Core capital (leverage) ratio | 9.0305% | 4,666 |
| Tier 1 risk-based capital ratio | 17.5850% | 1,920 |
| Total risk-based capital ratio | 18.8372% | 1,873 |
| Memoranda: | ||
| Average total assets | $267,487,670 | 2,368 |
| Average earning assets | $254,235,000 | 2,328 |
| Average equity | $23,737,670 | 2,775 |
| Average total loans | $168,828,330 | 2,473 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,638 |
| Cost of funding earning assets | 0.3043% | 4,322 |
| Net interest margin | 3.3269% | 4,116 |
| Noninterest income to average assets | 0.3504% | 3,803 |
| Noninterest expense to average assets | 2.3501% | 4,063 |
| Loan and lease loss provision to assets | 0.0209% | 3,259 |
| Net operating income to assets | 0.9379% | 3,117 |
| Return on assets (ROA) | 0.9379% | 3,134 |
| Pretax return on assets | 1.1422% | 2,998 |
| Return on Equity (ROE) | 10.6617% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.9156% | 2,750 |
| Net charge-offs to loans | 0.0543% | 1,565 |
| Credit loss provision to net charge-offs | 60.8696% | 1,886 |
| Earnings coverage of net charge-offs (x) | 33.9130% | 1,167 |
| Efficiency ratio | 66.8930% | 3,020 |
| Assets per employee ($millions) | 4.2872% | 3,509 |
| Cash dividends to net income (ytd only)* | 44.5151% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,027 |
| Loan loss allowance to noncurrent loans | 173.8053% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 3,050 |
| Noncurrent loans to loans | 0.6685% | 2,544 |
| Net loans and leases to total assets | 61.8546% | 3,569 |
| Net loans and leases to deposits | 67.8745% | 3,957 |
| Net loans and leases to core deposits | 69.3311% | 4,120 |
| Total domestic deposits to total assets | 91.1308% | 282 |
| Equity capital to assets | 8.7751% | 4,769 |
| Core capital (leverage) ratio | 9.0165% | 4,664 |
| Tier 1 risk-based capital ratio | 17.3488% | 2,015 |
| Total risk-based capital ratio | 18.6003% | 1,966 |
| Memoranda: | ||
| Average total assets | $268,248,000 | 2,382 |
| Average earning assets | $255,008,500 | 2,334 |
| Average equity | $23,598,500 | 2,812 |
| Average total loans | $169,429,000 | 2,480 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5980% | 4,578 |
| Cost of funding earning assets | 0.2889% | 4,233 |
| Net interest margin | 3.3092% | 4,130 |
| Noninterest income to average assets | 0.3637% | 3,866 |
| Noninterest expense to average assets | 2.3649% | 4,167 |
| Loan and lease loss provision to assets | 0.0439% | 3,361 |
| Net operating income to assets | 0.6611% | 3,779 |
| Return on assets (ROA) | 0.6611% | 3,816 |
| Pretax return on assets | 1.1101% | 3,141 |
| Return on Equity (ROE) | 7.3823% | 3,080 |
| Retained earnings to average equity (ytd only) | 1.4680% | 4,417 |
| Net charge-offs to loans | 0.0713% | 2,429 |
| Credit loss provision to net charge-offs | 96.6667% | 2,670 |
| Earnings coverage of net charge-offs (x) | 25.3833% | 1,718 |
| Efficiency ratio | 67.2050% | 3,049 |
| Assets per employee ($millions) | 4.2286% | 3,613 |
| Cash dividends to net income (ytd only)* | 80.1146% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,998 |
| Loan loss allowance to noncurrent loans | 140.2274% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 2,678 |
| Noncurrent loans to loans | 0.8285% | 2,148 |
| Net loans and leases to total assets | 63.0083% | 3,487 |
| Net loans and leases to deposits | 69.1534% | 3,938 |
| Net loans and leases to core deposits | 70.6292% | 4,134 |
| Total domestic deposits to total assets | 91.1138% | 215 |
| Equity capital to assets | 8.8197% | 4,879 |
| Core capital (leverage) ratio | 8.8439% | 4,816 |
| Tier 1 risk-based capital ratio | 17.1816% | 2,031 |
| Total risk-based capital ratio | 18.4335% | 1,990 |
| Memoranda: | ||
| Average total assets | $263,946,400 | 2,376 |
| Average earning assets | $251,665,200 | 2,337 |
| Average equity | $23,637,600 | 2,792 |
| Average total loans | $168,288,600 | 2,438 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 4,596 |
| Cost of funding earning assets | 0.2833% | 4,284 |
| Net interest margin | 3.3023% | 4,170 |
| Noninterest income to average assets | 0.3666% | 3,905 |
| Noninterest expense to average assets | 2.3635% | 4,110 |
| Loan and lease loss provision to assets | 0.0461% | 3,180 |
| Net operating income to assets | 0.7797% | 3,602 |
| Return on assets (ROA) | 0.7797% | 3,654 |
| Pretax return on assets | 1.1083% | 3,273 |
| Return on Equity (ROE) | 8.6735% | 2,777 |
| Retained earnings to average equity (ytd only) | 3.9481% | 3,571 |
| Net charge-offs to loans | 0.0850% | 1,953 |
| Credit loss provision to net charge-offs | 85.0467% | 2,518 |
| Earnings coverage of net charge-offs (x) | 21.3088% | 1,920 |
| Efficiency ratio | 67.1848% | 3,018 |
| Assets per employee ($millions) | 4.1938% | 3,663 |
| Cash dividends to net income (ytd only)* | 54.4806% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,134 |
| Loan loss allowance to noncurrent loans | 165.9052% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 3,080 |
| Noncurrent loans to loans | 0.7001% | 2,608 |
| Net loans and leases to total assets | 62.1688% | 3,632 |
| Net loans and leases to deposits | 68.4100% | 4,084 |
| Net loans and leases to core deposits | 69.8666% | 4,249 |
| Total domestic deposits to total assets | 90.8767% | 215 |
| Equity capital to assets | 8.9609% | 4,943 |
| Core capital (leverage) ratio | 8.9515% | 4,797 |
| Tier 1 risk-based capital ratio | 20.9473% | 1,202 |
| Total risk-based capital ratio | 22.2028% | 1,175 |
| Memoranda: | ||
| Average total assets | $263,332,250 | 2,406 |
| Average earning assets | $251,292,250 | 2,359 |
| Average equity | $23,673,000 | 2,813 |
| Average total loans | $167,903,500 | 2,461 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,558 |
| Cost of funding earning assets | 0.2795% | 4,297 |
| Net interest margin | 3.3024% | 4,099 |
| Noninterest income to average assets | 0.3631% | 3,962 |
| Noninterest expense to average assets | 2.3689% | 4,149 |
| Loan and lease loss provision to assets | 0.0008% | 3,865 |
| Net operating income to assets | 0.8156% | 3,328 |
| Return on assets (ROA) | 0.8156% | 3,378 |
| Pretax return on assets | 1.1458% | 2,992 |
| Return on Equity (ROE) | 9.0627% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.3063% | 3,144 |
| Net charge-offs to loans | 0.0573% | 2,114 |
| Credit loss provision to net charge-offs | 2.0833% | 2,894 |
| Earnings coverage of net charge-offs (x) | 31.2500% | 1,432 |
| Efficiency ratio | 67.3842% | 3,119 |
| Assets per employee ($millions) | 4.0705% | 3,845 |
| Cash dividends to net income (ytd only)* | 52.4836% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 3,314 |
| Loan loss allowance to noncurrent loans | 165.2397% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 3,241 |
| Noncurrent loans to loans | 0.6959% | 2,664 |
| Net loans and leases to total assets | 62.7104% | 3,547 |
| Net loans and leases to deposits | 68.9654% | 3,992 |
| Net loans and leases to core deposits | 70.3496% | 4,202 |
| Total domestic deposits to total assets | 90.9303% | 240 |
| Equity capital to assets | 9.0195% | 4,879 |
| Core capital (leverage) ratio | 8.9978% | 4,731 |
| Tier 1 risk-based capital ratio | 20.6120% | 1,256 |
| Total risk-based capital ratio | 21.8672% | 1,226 |
| Memoranda: | ||
| Average total assets | $261,643,000 | 2,426 |
| Average earning assets | $249,758,000 | 2,380 |
| Average equity | $23,547,000 | 2,826 |
| Average total loans | $167,597,330 | 2,470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 4,481 |
| Cost of funding earning assets | 0.2804% | 4,251 |
| Net interest margin | 3.2968% | 4,017 |
| Noninterest income to average assets | 0.3644% | 3,926 |
| Noninterest expense to average assets | 2.3554% | 4,247 |
| Loan and lease loss provision to assets | -0.0446% | 5,709 |
| Net operating income to assets | 0.8886% | 2,822 |
| Return on assets (ROA) | 0.8886% | 2,868 |
| Pretax return on assets | 1.1992% | 2,597 |
| Return on Equity (ROE) | 9.8852% | 2,012 |
| Retained earnings to average equity (ytd only) | 5.0965% | 2,832 |
| Net charge-offs to loans | 0.0167% | 2,458 |
| Credit loss provision to net charge-offs | -414.2857% | 4,209 |
| Earnings coverage of net charge-offs (x) | 107.2857% | 507 |
| Efficiency ratio | 67.1047% | 3,327 |
| Assets per employee ($millions) | 4.1368% | 3,781 |
| Cash dividends to net income (ytd only)* | 48.4429% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 3,337 |
| Loan loss allowance to noncurrent loans | 163.3305% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 3,267 |
| Noncurrent loans to loans | 0.7133% | 2,709 |
| Net loans and leases to total assets | 63.2115% | 3,374 |
| Net loans and leases to deposits | 69.5743% | 3,846 |
| Net loans and leases to core deposits | 70.9927% | 4,072 |
| Total domestic deposits to total assets | 90.8548% | 343 |
| Equity capital to assets | 9.0478% | 4,764 |
| Core capital (leverage) ratio | 9.0821% | 4,645 |
| Tier 1 risk-based capital ratio | 17.3793% | 2,073 |
| Total risk-based capital ratio | 18.6312% | 2,019 |
| Memoranda: | ||
| Average total assets | $260,173,000 | 2,464 |
| Average earning assets | $248,239,500 | 2,411 |
| Average equity | $23,388,500 | 2,851 |
| Average total loans | $167,470,500 | 2,480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,395 |
| Cost of funding earning assets | 0.2939% | 4,132 |
| Net interest margin | 3.3489% | 3,998 |
| Noninterest income to average assets | 0.3787% | 4,042 |
| Noninterest expense to average assets | 2.2699% | 4,615 |
| Loan and lease loss provision to assets | 0.0586% | 3,215 |
| Net operating income to assets | 0.8986% | 2,825 |
| Return on assets (ROA) | 0.8988% | 2,947 |
| Pretax return on assets | 1.2518% | 2,465 |
| Return on Equity (ROE) | 10.1817% | 1,886 |
| Retained earnings to average equity (ytd only) | 4.1117% | 2,982 |
| Net charge-offs to loans | 0.0774% | 2,578 |
| Credit loss provision to net charge-offs | 117.6923% | 2,253 |
| Earnings coverage of net charge-offs (x) | 26.2923% | 1,551 |
| Efficiency ratio | 63.4047% | 4,041 |
| Assets per employee ($millions) | 3.9353% | 4,084 |
| Cash dividends to net income (ytd only)* | 59.6162% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 3,277 |
| Loan loss allowance to noncurrent loans | 126.9750% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 2,812 |
| Noncurrent loans to loans | 0.9254% | 2,245 |
| Net loans and leases to total assets | 64.0213% | 3,355 |
| Net loans and leases to deposits | 71.8417% | 3,726 |
| Net loans and leases to core deposits | 73.4231% | 3,967 |
| Total domestic deposits to total assets | 89.1144% | 1,054 |
| Equity capital to assets | 8.9312% | 4,882 |
| Core capital (leverage) ratio | 8.8032% | 4,960 |
| Tier 1 risk-based capital ratio | 19.7540% | 1,428 |
| Total risk-based capital ratio | 21.0087% | 1,394 |
| Memoranda: | ||
| Average total assets | $260,895,600 | 2,434 |
| Average earning assets | $249,395,200 | 2,361 |
| Average equity | $23,031,600 | 2,888 |
| Average total loans | $167,853,600 | 2,433 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6401% | 4,435 |
| Cost of funding earning assets | 0.2972% | 4,131 |
| Net interest margin | 3.3428% | 4,048 |
| Noninterest income to average assets | 0.3818% | 4,053 |
| Noninterest expense to average assets | 2.2063% | 4,756 |
| Loan and lease loss provision to assets | 0.0975% | 2,276 |
| Net operating income to assets | 0.8950% | 2,932 |
| Return on assets (ROA) | 0.8954% | 3,066 |
| Pretax return on assets | 1.2762% | 2,518 |
| Return on Equity (ROE) | 10.1722% | 1,983 |
| Retained earnings to average equity (ytd only) | 5.3065% | 2,622 |
| Net charge-offs to loans | 0.0835% | 2,133 |
| Credit loss provision to net charge-offs | 181.9048% | 1,545 |
| Earnings coverage of net charge-offs (x) | 25.6184% | 1,629 |
| Efficiency ratio | 61.6372% | 4,290 |
| Assets per employee ($millions) | 4.1082% | 3,773 |
| Cash dividends to net income (ytd only)* | 47.8335% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 3,154 |
| Loan loss allowance to noncurrent loans | 158.5082% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 3,368 |
| Noncurrent loans to loans | 0.7654% | 2,758 |
| Net loans and leases to total assets | 62.2058% | 3,621 |
| Net loans and leases to deposits | 69.7803% | 4,005 |
| Net loans and leases to core deposits | 71.3693% | 4,220 |
| Total domestic deposits to total assets | 89.1453% | 826 |
| Equity capital to assets | 8.8022% | 5,315 |
| Core capital (leverage) ratio | 8.7075% | 5,148 |
| Tier 1 risk-based capital ratio | 17.2081% | 2,163 |
| Total risk-based capital ratio | 18.4616% | 2,119 |
| Memoranda: | ||
| Average total assets | $261,187,250 | 2,439 |
| Average earning assets | $249,842,750 | 2,375 |
| Average equity | $22,990,250 | 2,913 |
| Average total loans | $167,752,250 | 2,440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,407 |
| Cost of funding earning assets | 0.3001% | 4,128 |
| Net interest margin | 3.3626% | 4,015 |
| Noninterest income to average assets | 0.3719% | 4,089 |
| Noninterest expense to average assets | 2.2119% | 4,816 |
| Loan and lease loss provision to assets | 0.1126% | 1,996 |
| Net operating income to assets | 0.8780% | 2,974 |
| Return on assets (ROA) | 0.8780% | 3,088 |
| Pretax return on assets | 1.2629% | 2,552 |
| Return on Equity (ROE) | 9.9743% | 2,066 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,682 |
| Net charge-offs to loans | 0.0990% | 1,847 |
| Credit loss provision to net charge-offs | 175.9036% | 1,424 |
| Earnings coverage of net charge-offs (x) | 21.4819% | 1,678 |
| Efficiency ratio | 61.6559% | 4,395 |
| Assets per employee ($millions) | 4.0948% | 3,743 |
| Cash dividends to net income (ytd only)* | 49.1213% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,338 |
| Loan loss allowance to noncurrent loans | 177.3967% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 3,682 |
| Noncurrent loans to loans | 0.6784% | 3,037 |
| Net loans and leases to total assets | 63.1849% | 3,476 |
| Net loans and leases to deposits | 69.3823% | 4,044 |
| Net loans and leases to core deposits | 71.1398% | 4,240 |
| Total domestic deposits to total assets | 91.0678% | 184 |
| Equity capital to assets | 8.8711% | 5,337 |
| Core capital (leverage) ratio | 8.6088% | 5,255 |
| Tier 1 risk-based capital ratio | 17.3349% | 2,122 |
| Total risk-based capital ratio | 18.5881% | 2,082 |
| Memoranda: | ||
| Average total assets | $259,237,670 | 2,459 |
| Average earning assets | $247,903,330 | 2,401 |
| Average equity | $22,818,670 | 2,937 |
| Average total loans | $167,619,000 | 2,440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 4,390 |
| Cost of funding earning assets | 0.3035% | 4,121 |
| Net interest margin | 3.3761% | 3,959 |
| Noninterest income to average assets | 0.3863% | 3,939 |
| Noninterest expense to average assets | 2.2884% | 4,696 |
| Loan and lease loss provision to assets | 0.1582% | 1,322 |
| Net operating income to assets | 0.7979% | 3,260 |
| Return on assets (ROA) | 0.7990% | 3,370 |
| Pretax return on assets | 1.1682% | 2,824 |
| Return on Equity (ROE) | 9.1134% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.1586% | 3,406 |
| Net charge-offs to loans | 0.1551% | 1,194 |
| Credit loss provision to net charge-offs | 156.9231% | 1,242 |
| Earnings coverage of net charge-offs (x) | 13.1385% | 1,751 |
| Efficiency ratio | 63.3319% | 4,250 |
| Assets per employee ($millions) | 4.0450% | 3,872 |
| Cash dividends to net income (ytd only)* | 54.3689% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 3,564 |
| Loan loss allowance to noncurrent loans | 212.4867% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 4,027 |
| Noncurrent loans to loans | 0.5583% | 3,513 |
| Net loans and leases to total assets | 63.0742% | 3,372 |
| Net loans and leases to deposits | 69.1486% | 3,941 |
| Net loans and leases to core deposits | 70.8662% | 4,172 |
| Total domestic deposits to total assets | 91.2154% | 214 |
| Equity capital to assets | 8.6689% | 5,445 |
| Core capital (leverage) ratio | 8.6916% | 5,186 |
| Tier 1 risk-based capital ratio | 16.8851% | 2,329 |
| Total risk-based capital ratio | 18.1380% | 2,274 |
| Memoranda: | ||
| Average total assets | $257,824,500 | 2,480 |
| Average earning assets | $246,436,000 | 2,417 |
| Average equity | $22,604,000 | 2,965 |
| Average total loans | $167,627,500 | 2,430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,299 |
| Cost of funding earning assets | 0.3848% | 3,321 |
| Net interest margin | 3.3382% | 4,156 |
| Noninterest income to average assets | 0.3473% | 4,424 |
| Noninterest expense to average assets | 2.2339% | 4,968 |
| Loan and lease loss provision to assets | 0.1427% | 1,664 |
| Net operating income to assets | 0.8082% | 3,309 |
| Return on assets (ROA) | 0.8082% | 3,383 |
| Pretax return on assets | 1.1691% | 2,772 |
| Return on Equity (ROE) | 9.3650% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.0646% | 3,877 |
| Net charge-offs to loans | 0.1036% | 2,370 |
| Credit loss provision to net charge-offs | 214.6199% | 1,324 |
| Earnings coverage of net charge-offs (x) | 19.7251% | 1,927 |
| Efficiency ratio | 63.0032% | 4,440 |
| Assets per employee ($millions) | 3.7720% | 4,341 |
| Cash dividends to net income (ytd only)* | 67.2762% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,669 |
| Loan loss allowance to noncurrent loans | 193.6571% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 3,826 |
| Noncurrent loans to loans | 0.6027% | 3,365 |
| Net loans and leases to total assets | 65.4755% | 3,054 |
| Net loans and leases to deposits | 73.1448% | 3,594 |
| Net loans and leases to core deposits | 75.1577% | 3,834 |
| Total domestic deposits to total assets | 89.5150% | 846 |
| Equity capital to assets | 8.8694% | 5,251 |
| Core capital (leverage) ratio | 8.6901% | 5,230 |
| Tier 1 risk-based capital ratio | 16.1264% | 2,636 |
| Total risk-based capital ratio | 17.3783% | 2,582 |
| Memoranda: | ||
| Average total assets | $257,129,400 | 2,443 |
| Average earning assets | $246,359,200 | 2,373 |
| Average equity | $22,189,000 | 2,957 |
| Average total loans | $165,076,200 | 2,399 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,430 |
| Cost of funding earning assets | 0.4065% | 3,159 |
| Net interest margin | 3.2906% | 4,397 |
| Noninterest income to average assets | 0.3423% | 4,490 |
| Noninterest expense to average assets | 2.2253% | 4,978 |
| Loan and lease loss provision to assets | 0.1110% | 2,031 |
| Net operating income to assets | 0.8163% | 3,349 |
| Return on assets (ROA) | 0.8163% | 3,436 |
| Pretax return on assets | 1.1617% | 2,963 |
| Return on Equity (ROE) | 9.5242% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.4699% | 3,283 |
| Net charge-offs to loans | 0.1013% | 2,132 |
| Credit loss provision to net charge-offs | 172.0000% | 1,520 |
| Earnings coverage of net charge-offs (x) | 19.7203% | 1,920 |
| Efficiency ratio | 63.6162% | 4,312 |
| Assets per employee ($millions) | 3.8497% | 4,180 |
| Cash dividends to net income (ytd only)* | 53.0677% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 4,134 |
| Loan loss allowance to noncurrent loans | 156.7430% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4831% | 3,878 |
| Noncurrent loans to loans | 0.7123% | 3,197 |
| Net loans and leases to total assets | 63.4594% | 3,382 |
| Net loans and leases to deposits | 70.6497% | 3,913 |
| Net loans and leases to core deposits | 72.4878% | 4,152 |
| Total domestic deposits to total assets | 89.8227% | 644 |
| Equity capital to assets | 8.7598% | 5,524 |
| Core capital (leverage) ratio | 8.4193% | 5,613 |
| Tier 1 risk-based capital ratio | 16.7930% | 2,437 |
| Total risk-based capital ratio | 18.0434% | 2,404 |
| Memoranda: | ||
| Average total assets | $258,231,250 | 2,455 |
| Average earning assets | $247,648,750 | 2,380 |
| Average equity | $22,132,500 | 2,972 |
| Average total loans | $164,489,000 | 2,429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 4,485 |
| Cost of funding earning assets | 0.4300% | 2,935 |
| Net interest margin | 3.2456% | 4,516 |
| Noninterest income to average assets | 0.3306% | 4,590 |
| Noninterest expense to average assets | 2.2111% | 5,087 |
| Loan and lease loss provision to assets | 0.0697% | 2,716 |
| Net operating income to assets | 0.8168% | 3,299 |
| Return on assets (ROA) | 0.8168% | 3,406 |
| Pretax return on assets | 1.1644% | 2,919 |
| Return on Equity (ROE) | 9.6002% | 2,256 |
| Retained earnings to average equity (ytd only) | 4.5044% | 3,152 |
| Net charge-offs to loans | 0.1243% | 1,765 |
| Credit loss provision to net charge-offs | 88.2353% | 2,228 |
| Earnings coverage of net charge-offs (x) | 15.6275% | 1,962 |
| Efficiency ratio | 64.1798% | 4,324 |
| Assets per employee ($millions) | 3.9344% | 4,007 |
| Cash dividends to net income (ytd only)* | 53.0806% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 4,556 |
| Loan loss allowance to noncurrent loans | 148.0916% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 4,066 |
| Noncurrent loans to loans | 0.7143% | 3,345 |
| Net loans and leases to total assets | 62.8953% | 3,427 |
| Net loans and leases to deposits | 68.9005% | 4,042 |
| Net loans and leases to core deposits | 71.0206% | 4,220 |
| Total domestic deposits to total assets | 91.2843% | 235 |
| Equity capital to assets | 8.5548% | 5,638 |
| Core capital (leverage) ratio | 8.4193% | 5,609 |
| Tier 1 risk-based capital ratio | 16.6434% | 2,541 |
| Total risk-based capital ratio | 17.8944% | 2,498 |
| Memoranda: | ||
| Average total assets | $258,332,670 | 2,471 |
| Average earning assets | $247,902,670 | 2,389 |
| Average equity | $21,978,670 | 2,998 |
| Average total loans | $164,143,000 | 2,439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,418 |
| Cost of funding earning assets | 0.4621% | 2,655 |
| Net interest margin | 3.2236% | 4,510 |
| Noninterest income to average assets | 0.3322% | 4,532 |
| Noninterest expense to average assets | 2.2277% | 5,078 |
| Loan and lease loss provision to assets | 0.0699% | 2,540 |
| Net operating income to assets | 0.7995% | 3,264 |
| Return on assets (ROA) | 0.7995% | 3,390 |
| Pretax return on assets | 1.1317% | 2,940 |
| Return on Equity (ROE) | 9.4232% | 2,253 |
| Retained earnings to average equity (ytd only) | 4.2999% | 3,434 |
| Net charge-offs to loans | 0.1246% | 1,514 |
| Credit loss provision to net charge-offs | 88.2353% | 1,756 |
| Earnings coverage of net charge-offs (x) | 15.1765% | 1,634 |
| Efficiency ratio | 64.9615% | 4,323 |
| Assets per employee ($millions) | 3.9487% | 4,062 |
| Cash dividends to net income (ytd only)* | 54.3689% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 4,648 |
| Loan loss allowance to noncurrent loans | 165.7521% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 4,236 |
| Noncurrent loans to loans | 0.6472% | 3,657 |
| Net loans and leases to total assets | 61.9979% | 3,368 |
| Net loans and leases to deposits | 67.8315% | 3,973 |
| Net loans and leases to core deposits | 70.0671% | 4,147 |
| Total domestic deposits to total assets | 91.3999% | 252 |
| Equity capital to assets | 8.4816% | 5,753 |
| Core capital (leverage) ratio | 8.4635% | 5,559 |
| Tier 1 risk-based capital ratio | 17.0414% | 2,466 |
| Total risk-based capital ratio | 18.3117% | 2,417 |
| Memoranda: | ||
| Average total assets | $257,665,000 | 2,489 |
| Average earning assets | $247,551,500 | 2,403 |
| Average equity | $21,861,000 | 3,034 |
| Average total loans | $163,682,000 | 2,449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 4,750 |
| Cost of funding earning assets | 0.5298% | 2,390 |
| Net interest margin | 3.1807% | 4,984 |
| Noninterest income to average assets | 0.3625% | 4,497 |
| Noninterest expense to average assets | 2.2170% | 5,306 |
| Loan and lease loss provision to assets | 0.0464% | 3,644 |
| Net operating income to assets | 0.8128% | 3,308 |
| Return on assets (ROA) | 0.8139% | 3,392 |
| Pretax return on assets | 1.1535% | 2,858 |
| Return on Equity (ROE) | 9.9151% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.5969% | 3,655 |
| Net charge-offs to loans | 0.0646% | 3,564 |
| Credit loss provision to net charge-offs | 116.5049% | 2,050 |
| Earnings coverage of net charge-offs (x) | 30.1068% | 1,332 |
| Efficiency ratio | 64.9129% | 4,418 |
| Assets per employee ($millions) | 3.8594% | 4,239 |
| Cash dividends to net income (ytd only)* | 63.7227% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 4,684 |
| Loan loss allowance to noncurrent loans | 160.9890% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 4,221 |
| Noncurrent loans to loans | 0.6657% | 3,683 |
| Net loans and leases to total assets | 63.7097% | 3,260 |
| Net loans and leases to deposits | 69.6579% | 3,959 |
| Net loans and leases to core deposits | 71.9218% | 4,130 |
| Total domestic deposits to total assets | 91.4608% | 237 |
| Equity capital to assets | 8.4870% | 5,765 |
| Core capital (leverage) ratio | 8.2710% | 5,802 |
| Tier 1 risk-based capital ratio | 15.6537% | 3,153 |
| Total risk-based capital ratio | 16.9038% | 3,082 |
| Memoranda: | ||
| Average total assets | $258,767,800 | 2,442 |
| Average earning assets | $248,373,400 | 2,359 |
| Average equity | $21,240,400 | 3,025 |
| Average total loans | $159,451,000 | 2,433 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,925 |
| Cost of funding earning assets | 0.5373% | 2,396 |
| Net interest margin | 3.1372% | 5,155 |
| Noninterest income to average assets | 0.3665% | 4,493 |
| Noninterest expense to average assets | 2.1700% | 5,408 |
| Loan and lease loss provision to assets | 0.0462% | 3,464 |
| Net operating income to assets | 0.8191% | 3,346 |
| Return on assets (ROA) | 0.8202% | 3,432 |
| Pretax return on assets | 1.1635% | 2,935 |
| Return on Equity (ROE) | 10.0757% | 2,180 |
| Retained earnings to average equity (ytd only) | 4.7856% | 3,222 |
| Net charge-offs to loans | 0.0640% | 3,291 |
| Credit loss provision to net charge-offs | 118.4211% | 1,934 |
| Earnings coverage of net charge-offs (x) | 30.9739% | 1,344 |
| Efficiency ratio | 64.2358% | 4,499 |
| Assets per employee ($millions) | 4.0498% | 3,776 |
| Cash dividends to net income (ytd only)* | 52.5033% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 4,847 |
| Loan loss allowance to noncurrent loans | 170.3201% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 4,675 |
| Noncurrent loans to loans | 0.6334% | 4,031 |
| Net loans and leases to total assets | 61.1659% | 3,606 |
| Net loans and leases to deposits | 66.6875% | 4,263 |
| Net loans and leases to core deposits | 69.0160% | 4,412 |
| Total domestic deposits to total assets | 91.7201% | 195 |
| Equity capital to assets | 8.2161% | 6,003 |
| Core capital (leverage) ratio | 8.0793% | 6,013 |
| Tier 1 risk-based capital ratio | 14.9995% | 3,587 |
| Total risk-based capital ratio | 16.1900% | 3,550 |
| Memoranda: | ||
| Average total assets | $259,780,250 | 2,451 |
| Average earning assets | $249,391,000 | 2,360 |
| Average equity | $21,146,000 | 3,045 |
| Average total loans | $158,304,250 | 2,462 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6576% | 4,982 |
| Cost of funding earning assets | 0.5423% | 2,414 |
| Net interest margin | 3.1153% | 5,213 |
| Noninterest income to average assets | 0.3658% | 4,509 |
| Noninterest expense to average assets | 2.1475% | 5,525 |
| Loan and lease loss provision to assets | 0.0464% | 3,382 |
| Net operating income to assets | 0.8204% | 3,234 |
| Return on assets (ROA) | 0.8220% | 3,322 |
| Pretax return on assets | 1.1638% | 2,821 |
| Return on Equity (ROE) | 10.1309% | 2,092 |
| Retained earnings to average equity (ytd only) | 4.8034% | 3,087 |
| Net charge-offs to loans | 0.0727% | 2,974 |
| Credit loss provision to net charge-offs | 105.2632% | 1,902 |
| Earnings coverage of net charge-offs (x) | 27.4035% | 1,344 |
| Efficiency ratio | 64.0009% | 4,688 |
| Assets per employee ($millions) | 4.1064% | 3,630 |
| Cash dividends to net income (ytd only)* | 52.5870% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,943 |
| Loan loss allowance to noncurrent loans | 187.5269% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 4,810 |
| Noncurrent loans to loans | 0.5828% | 4,276 |
| Net loans and leases to total assets | 59.1340% | 3,844 |
| Net loans and leases to deposits | 66.1689% | 4,254 |
| Net loans and leases to core deposits | 68.4282% | 4,421 |
| Total domestic deposits to total assets | 89.3683% | 1,180 |
| Equity capital to assets | 8.0163% | 6,147 |
| Core capital (leverage) ratio | 8.0864% | 6,030 |
| Tier 1 risk-based capital ratio | 15.0196% | 3,627 |
| Total risk-based capital ratio | 16.2125% | 3,598 |
| Memoranda: | ||
| Average total assets | $258,627,000 | 2,469 |
| Average earning assets | $248,197,000 | 2,373 |
| Average equity | $20,985,330 | 3,058 |
| Average total loans | $156,816,000 | 2,487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6665% | 4,956 |
| Cost of funding earning assets | 0.5537% | 2,395 |
| Net interest margin | 3.1127% | 5,204 |
| Noninterest income to average assets | 0.3521% | 4,558 |
| Noninterest expense to average assets | 2.2493% | 5,329 |
| Loan and lease loss provision to assets | 0.0472% | 3,151 |
| Net operating income to assets | 0.7406% | 3,479 |
| Return on assets (ROA) | 0.7450% | 3,538 |
| Pretax return on assets | 1.0484% | 3,144 |
| Return on Equity (ROE) | 9.1244% | 2,404 |
| Retained earnings to average equity (ytd only) | 3.7344% | 3,891 |
| Net charge-offs to loans | 0.0566% | 2,594 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | 31.5000% | 1,016 |
| Efficiency ratio | 67.3729% | 4,300 |
| Assets per employee ($millions) | 3.9836% | 3,979 |
| Cash dividends to net income (ytd only)* | 59.0717% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,033 |
| Loan loss allowance to noncurrent loans | 217.2671% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 4,967 |
| Noncurrent loans to loans | 0.5150% | 4,626 |
| Net loans and leases to total assets | 59.6949% | 3,607 |
| Net loans and leases to deposits | 65.0207% | 4,204 |
| Net loans and leases to core deposits | 67.4138% | 4,365 |
| Total domestic deposits to total assets | 91.8091% | 297 |
| Equity capital to assets | 8.0596% | 6,011 |
| Core capital (leverage) ratio | 8.2367% | 5,903 |
| Tier 1 risk-based capital ratio | 15.9059% | 3,212 |
| Total risk-based capital ratio | 17.1014% | 3,207 |
| Memoranda: | ||
| Average total assets | $254,481,000 | 2,508 |
| Average earning assets | $244,158,000 | 2,407 |
| Average equity | $20,779,500 | 3,084 |
| Average total loans | $155,432,000 | 2,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 5,099 |
| Cost of funding earning assets | 0.6207% | 2,475 |
| Net interest margin | 3.0894% | 5,340 |
| Noninterest income to average assets | 0.3605% | 4,728 |
| Noninterest expense to average assets | 2.0783% | 5,874 |
| Loan and lease loss provision to assets | 0.0472% | 4,180 |
| Net operating income to assets | 0.8496% | 3,037 |
| Return on assets (ROA) | 0.8504% | 3,108 |
| Pretax return on assets | 1.1992% | 2,586 |
| Return on Equity (ROE) | 10.5445% | 1,910 |
| Retained earnings to average equity (ytd only) | 4.0072% | 3,342 |
| Net charge-offs to loans | 0.0622% | 4,342 |
| Credit loss provision to net charge-offs | 126.3158% | 1,868 |
| Earnings coverage of net charge-offs (x) | 33.3368% | 1,083 |
| Efficiency ratio | 62.5340% | 5,119 |
| Assets per employee ($millions) | 3.8466% | 4,168 |
| Cash dividends to net income (ytd only)* | 61.9972% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,020 |
| Loan loss allowance to noncurrent loans | 423.6010% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 5,533 |
| Noncurrent loans to loans | 0.2659% | 5,387 |
| Net loans and leases to total assets | 61.1146% | 3,516 |
| Net loans and leases to deposits | 66.6735% | 4,226 |
| Net loans and leases to core deposits | 69.2162% | 4,375 |
| Total domestic deposits to total assets | 91.6625% | 362 |
| Equity capital to assets | 8.2751% | 5,799 |
| Core capital (leverage) ratio | 8.1426% | 6,019 |
| Tier 1 risk-based capital ratio | 15.8763% | 3,161 |
| Total risk-based capital ratio | 17.0762% | 3,139 |
| Memoranda: | ||
| Average total assets | $254,339,200 | 2,492 |
| Average earning assets | $243,934,400 | 2,388 |
| Average equity | $20,513,000 | 3,100 |
| Average total loans | $152,659,400 | 2,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 5,205 |
| Cost of funding earning assets | 0.6301% | 2,549 |
| Net interest margin | 3.0544% | 5,455 |
| Noninterest income to average assets | 0.3607% | 4,813 |
| Noninterest expense to average assets | 2.0416% | 5,938 |
| Loan and lease loss provision to assets | 0.0470% | 4,077 |
| Net operating income to assets | 0.8534% | 3,084 |
| Return on assets (ROA) | 0.8545% | 3,187 |
| Pretax return on assets | 1.2038% | 2,680 |
| Return on Equity (ROE) | 10.6631% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.2046% | 2,933 |
| Net charge-offs to loans | 0.0648% | 3,988 |
| Credit loss provision to net charge-offs | 121.6216% | 1,939 |
| Earnings coverage of net charge-offs (x) | 32.3392% | 1,175 |
| Efficiency ratio | 62.0400% | 5,132 |
| Assets per employee ($millions) | 3.9753% | 3,886 |
| Cash dividends to net income (ytd only)* | 51.1915% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 5,270 |
| Loan loss allowance to noncurrent loans | 256.9733% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 5,426 |
| Noncurrent loans to loans | 0.4340% | 5,111 |
| Net loans and leases to total assets | 60.3580% | 3,641 |
| Net loans and leases to deposits | 65.8026% | 4,329 |
| Net loans and leases to core deposits | 68.7708% | 4,461 |
| Total domestic deposits to total assets | 91.7258% | 308 |
| Equity capital to assets | 8.0757% | 6,098 |
| Core capital (leverage) ratio | 8.0841% | 6,165 |
| Tier 1 risk-based capital ratio | 15.8272% | 3,286 |
| Total risk-based capital ratio | 17.0316% | 3,265 |
| Memoranda: | ||
| Average total assets | $255,417,250 | 2,492 |
| Average earning assets | $245,014,750 | 2,391 |
| Average equity | $20,468,750 | 3,141 |
| Average total loans | $152,188,250 | 2,539 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 5,262 |
| Cost of funding earning assets | 0.6424% | 2,569 |
| Net interest margin | 3.0166% | 5,529 |
| Noninterest income to average assets | 0.3589% | 4,820 |
| Noninterest expense to average assets | 2.0246% | 6,001 |
| Loan and lease loss provision to assets | 0.0469% | 4,035 |
| Net operating income to assets | 0.8406% | 3,100 |
| Return on assets (ROA) | 0.8422% | 3,240 |
| Pretax return on assets | 1.1832% | 2,750 |
| Return on Equity (ROE) | 10.5366% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.0677% | 3,007 |
| Net charge-offs to loans | 0.0767% | 3,615 |
| Credit loss provision to net charge-offs | 103.4483% | 2,140 |
| Earnings coverage of net charge-offs (x) | 27.0690% | 1,225 |
| Efficiency ratio | 62.2505% | 5,137 |
| Assets per employee ($millions) | 4.0233% | 3,740 |
| Cash dividends to net income (ytd only)* | 51.9034% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 5,331 |
| Loan loss allowance to noncurrent loans | 326.6160% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 5,588 |
| Noncurrent loans to loans | 0.3454% | 5,430 |
| Net loans and leases to total assets | 58.4825% | 3,912 |
| Net loans and leases to deposits | 63.5657% | 4,554 |
| Net loans and leases to core deposits | 66.0481% | 4,685 |
| Total domestic deposits to total assets | 92.0033% | 248 |
| Equity capital to assets | 7.9113% | 6,260 |
| Core capital (leverage) ratio | 7.9001% | 6,251 |
| Tier 1 risk-based capital ratio | 15.9729% | 3,210 |
| Total risk-based capital ratio | 17.1731% | 3,182 |
| Memoranda: | ||
| Average total assets | $255,750,670 | 2,500 |
| Average earning assets | $245,311,000 | 2,397 |
| Average equity | $20,443,000 | 3,164 |
| Average total loans | $151,153,330 | 2,555 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 5,219 |
| Cost of funding earning assets | 0.6513% | 2,646 |
| Net interest margin | 3.0324% | 5,478 |
| Noninterest income to average assets | 0.3625% | 4,761 |
| Noninterest expense to average assets | 2.0512% | 6,005 |
| Loan and lease loss provision to assets | 0.0471% | 3,830 |
| Net operating income to assets | 0.8358% | 2,975 |
| Return on assets (ROA) | 0.8380% | 3,102 |
| Pretax return on assets | 1.1755% | 2,663 |
| Return on Equity (ROE) | 10.4302% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.9807% | 3,250 |
| Net charge-offs to loans | 0.0531% | 3,296 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 38.8500% | 812 |
| Efficiency ratio | 62.7159% | 5,197 |
| Assets per employee ($millions) | 4.0574% | 3,831 |
| Cash dividends to net income (ytd only)* | 52.2472% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 5,433 |
| Loan loss allowance to noncurrent loans | 246.5714% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 5,532 |
| Noncurrent loans to loans | 0.4636% | 5,262 |
| Net loans and leases to total assets | 58.3891% | 3,723 |
| Net loans and leases to deposits | 63.5569% | 4,367 |
| Net loans and leases to core deposits | 65.9952% | 4,528 |
| Total domestic deposits to total assets | 91.8691% | 270 |
| Equity capital to assets | 8.0531% | 6,349 |
| Core capital (leverage) ratio | 7.9116% | 6,208 |
| Tier 1 risk-based capital ratio | 15.9023% | 3,322 |
| Total risk-based capital ratio | 17.1001% | 3,311 |
| Memoranda: | ||
| Average total assets | $254,879,000 | 2,534 |
| Average earning assets | $244,423,000 | 2,430 |
| Average equity | $20,479,000 | 3,198 |
| Average total loans | $150,576,500 | 2,574 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 5,558 |
| Cost of funding earning assets | 0.7216% | 3,310 |
| Net interest margin | 3.1850% | 5,606 |
| Noninterest income to average assets | 0.3053% | 5,258 |
| Noninterest expense to average assets | 2.0677% | 6,195 |
| Loan and lease loss provision to assets | 0.0618% | 4,996 |
| Net operating income to assets | 0.9026% | 2,805 |
| Return on assets (ROA) | 0.9023% | 3,045 |
| Pretax return on assets | 1.2626% | 2,554 |
| Return on Equity (ROE) | 11.2873% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.6066% | 2,981 |
| Net charge-offs to loans | 0.0779% | 4,894 |
| Credit loss provision to net charge-offs | 132.4786% | 2,116 |
| Earnings coverage of net charge-offs (x) | 28.4103% | 1,042 |
| Efficiency ratio | 60.9492% | 5,394 |
| Assets per employee ($millions) | 4.0340% | 3,879 |
| Cash dividends to net income (ytd only)* | 59.1873% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,379 |
| Loan loss allowance to noncurrent loans | 281.7734% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 5,712 |
| Noncurrent loans to loans | 0.4055% | 5,472 |
| Net loans and leases to total assets | 58.4158% | 3,895 |
| Net loans and leases to deposits | 63.5578% | 4,589 |
| Net loans and leases to core deposits | 66.0129% | 4,735 |
| Total domestic deposits to total assets | 91.9096% | 261 |
| Equity capital to assets | 8.0164% | 6,399 |
| Core capital (leverage) ratio | 7.8124% | 6,334 |
| Tier 1 risk-based capital ratio | 16.0796% | 3,118 |
| Total risk-based capital ratio | 17.2757% | 3,099 |
| Memoranda: | ||
| Average total assets | $250,909,600 | 2,522 |
| Average earning assets | $243,203,400 | 2,384 |
| Average equity | $20,058,000 | 3,200 |
| Average total loans | $150,105,800 | 2,572 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 5,689 |
| Cost of funding earning assets | 0.7371% | 3,464 |
| Net interest margin | 3.2020% | 5,700 |
| Noninterest income to average assets | 0.2964% | 5,401 |
| Noninterest expense to average assets | 2.0674% | 6,227 |
| Loan and lease loss provision to assets | 0.0666% | 4,854 |
| Net operating income to assets | 0.9200% | 2,879 |
| Return on assets (ROA) | 0.9196% | 3,109 |
| Pretax return on assets | 1.2741% | 2,696 |
| Return on Equity (ROE) | 11.5116% | 1,790 |
| Retained earnings to average equity (ytd only) | 5.9193% | 2,750 |
| Net charge-offs to loans | 0.0693% | 4,722 |
| Credit loss provision to net charge-offs | 160.2564% | 1,743 |
| Earnings coverage of net charge-offs (x) | 32.2556% | 1,040 |
| Efficiency ratio | 60.6506% | 5,388 |
| Assets per employee ($millions) | 4.0146% | 3,837 |
| Cash dividends to net income (ytd only)* | 48.5800% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,506 |
| Loan loss allowance to noncurrent loans | 368.5897% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 6,104 |
| Noncurrent loans to loans | 0.3126% | 5,857 |
| Net loans and leases to total assets | 58.5078% | 4,042 |
| Net loans and leases to deposits | 63.7098% | 4,754 |
| Net loans and leases to core deposits | 66.4255% | 4,910 |
| Total domestic deposits to total assets | 91.8350% | 227 |
| Equity capital to assets | 8.0646% | 6,564 |
| Core capital (leverage) ratio | 7.8090% | 6,462 |
| Tier 1 risk-based capital ratio | 16.2648% | 3,125 |
| Total risk-based capital ratio | 17.4589% | 3,135 |
| Memoranda: | ||
| Average total assets | $250,101,500 | 2,554 |
| Average earning assets | $243,095,000 | 2,418 |
| Average equity | $19,979,250 | 3,239 |
| Average total loans | $150,088,500 | 2,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 5,710 |
| Cost of funding earning assets | 0.7500% | 3,606 |
| Net interest margin | 3.2294% | 5,649 |
| Noninterest income to average assets | 0.2930% | 5,460 |
| Noninterest expense to average assets | 2.0469% | 6,340 |
| Loan and lease loss provision to assets | 0.0722% | 4,725 |
| Net operating income to assets | 0.9478% | 2,668 |
| Return on assets (ROA) | 0.9472% | 2,929 |
| Pretax return on assets | 1.3116% | 2,514 |
| Return on Equity (ROE) | 11.8952% | 1,699 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,527 |
| Net charge-offs to loans | 0.0679% | 4,478 |
| Credit loss provision to net charge-offs | 176.4706% | 1,593 |
| Earnings coverage of net charge-offs (x) | 33.8235% | 991 |
| Efficiency ratio | 59.6491% | 5,634 |
| Assets per employee ($millions) | 4.0580% | 3,751 |
| Cash dividends to net income (ytd only)* | 47.3729% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,554 |
| Loan loss allowance to noncurrent loans | 312.7505% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 6,017 |
| Noncurrent loans to loans | 0.3689% | 5,800 |
| Net loans and leases to total assets | 58.4615% | 4,090 |
| Net loans and leases to deposits | 63.6111% | 4,817 |
| Net loans and leases to core deposits | 66.4129% | 4,951 |
| Total domestic deposits to total assets | 91.9045% | 239 |
| Equity capital to assets | 8.0024% | 6,564 |
| Core capital (leverage) ratio | 7.8222% | 6,436 |
| Tier 1 risk-based capital ratio | 16.3114% | 2,999 |
| Total risk-based capital ratio | 17.5069% | 2,997 |
| Memoranda: | ||
| Average total assets | $249,162,000 | 2,556 |
| Average earning assets | $242,147,000 | 2,423 |
| Average equity | $19,840,000 | 3,246 |
| Average total loans | $150,217,000 | 2,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 5,631 |
| Cost of funding earning assets | 0.7636% | 3,761 |
| Net interest margin | 3.2784% | 5,537 |
| Noninterest income to average assets | 0.2872% | 5,579 |
| Noninterest expense to average assets | 2.0666% | 6,348 |
| Loan and lease loss provision to assets | 0.0726% | 4,489 |
| Net operating income to assets | 0.9647% | 2,618 |
| Return on assets (ROA) | 0.9647% | 2,816 |
| Pretax return on assets | 1.3342% | 2,410 |
| Return on Equity (ROE) | 12.1464% | 1,635 |
| Retained earnings to average equity (ytd only) | 6.4795% | 2,701 |
| Net charge-offs to loans | 0.0265% | 4,310 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 87.2000% | 390 |
| Efficiency ratio | 59.4984% | 5,693 |
| Assets per employee ($millions) | 4.0666% | 3,869 |
| Cash dividends to net income (ytd only)* | 46.6555% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 5,803 |
| Loan loss allowance to noncurrent loans | 331.3346% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 6,327 |
| Noncurrent loans to loans | 0.3412% | 5,988 |
| Net loans and leases to total assets | 59.4152% | 3,791 |
| Net loans and leases to deposits | 64.6860% | 4,540 |
| Net loans and leases to core deposits | 67.9025% | 4,689 |
| Total domestic deposits to total assets | 91.8518% | 296 |
| Equity capital to assets | 7.8599% | 6,606 |
| Core capital (leverage) ratio | 7.8400% | 6,385 |
| Tier 1 risk-based capital ratio | 15.9914% | 3,183 |
| Total risk-based capital ratio | 17.1933% | 3,171 |
| Memoranda: | ||
| Average total assets | $247,944,000 | 2,579 |
| Average earning assets | $240,971,000 | 2,441 |
| Average equity | $19,693,000 | 3,264 |
| Average total loans | $150,923,000 | 2,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 5,970 |
| Cost of funding earning assets | 0.8714% | 4,316 |
| Net interest margin | 3.3600% | 5,611 |
| Noninterest income to average assets | 0.3289% | 5,189 |
| Noninterest expense to average assets | 2.0900% | 6,510 |
| Loan and lease loss provision to assets | 0.0940% | 5,420 |
| Net operating income to assets | 1.0162% | 2,143 |
| Return on assets (ROA) | 1.0197% | 2,276 |
| Pretax return on assets | 1.4074% | 1,762 |
| Return on Equity (ROE) | 13.1076% | 1,138 |
| Retained earnings to average equity (ytd only) | 6.0707% | 1,977 |
| Net charge-offs to loans | 0.1121% | 5,254 |
| Credit loss provision to net charge-offs | 137.7246% | 2,154 |
| Earnings coverage of net charge-offs (x) | 21.9341% | 1,074 |
| Efficiency ratio | 58.2754% | 6,013 |
| Assets per employee ($millions) | 3.8692% | 4,161 |
| Cash dividends to net income (ytd only)* | 53.6859% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,761 |
| Loan loss allowance to noncurrent loans | 349.5833% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 6,286 |
| Noncurrent loans to loans | 0.3193% | 6,095 |
| Net loans and leases to total assets | 60.9832% | 3,787 |
| Net loans and leases to deposits | 66.3705% | 4,688 |
| Net loans and leases to core deposits | 69.4574% | 4,854 |
| Total domestic deposits to total assets | 91.8830% | 253 |
| Equity capital to assets | 8.0280% | 6,555 |
| Core capital (leverage) ratio | 7.7478% | 6,498 |
| Tier 1 risk-based capital ratio | 15.7338% | 3,201 |
| Total risk-based capital ratio | 16.9337% | 3,180 |
| Memoranda: | ||
| Average total assets | $244,780,800 | 2,583 |
| Average earning assets | $237,323,800 | 2,430 |
| Average equity | $19,042,400 | 3,272 |
| Average total loans | $148,984,800 | 2,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 6,126 |
| Cost of funding earning assets | 0.8808% | 4,545 |
| Net interest margin | 3.3538% | 5,706 |
| Noninterest income to average assets | 0.3325% | 5,203 |
| Noninterest expense to average assets | 2.0677% | 6,556 |
| Loan and lease loss provision to assets | 0.1007% | 5,189 |
| Net operating income to assets | 1.0250% | 2,234 |
| Return on assets (ROA) | 1.0289% | 2,379 |
| Pretax return on assets | 1.4202% | 1,882 |
| Return on Equity (ROE) | 13.3325% | 1,201 |
| Retained earnings to average equity (ytd only) | 7.4241% | 1,757 |
| Net charge-offs to loans | 0.1085% | 4,915 |
| Credit loss provision to net charge-offs | 152.8926% | 2,035 |
| Earnings coverage of net charge-offs (x) | 23.0164% | 1,132 |
| Efficiency ratio | 57.7069% | 6,059 |
| Assets per employee ($millions) | 4.0310% | 3,778 |
| Cash dividends to net income (ytd only)* | 44.3154% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,809 |
| Loan loss allowance to noncurrent loans | 481.0888% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 6,527 |
| Noncurrent loans to loans | 0.2330% | 6,407 |
| Net loans and leases to total assets | 60.2235% | 4,091 |
| Net loans and leases to deposits | 66.1393% | 4,883 |
| Net loans and leases to core deposits | 69.9879% | 4,946 |
| Total domestic deposits to total assets | 91.0555% | 419 |
| Equity capital to assets | 7.9457% | 6,728 |
| Core capital (leverage) ratio | 7.7339% | 6,609 |
| Tier 1 risk-based capital ratio | 15.6205% | 3,323 |
| Total risk-based capital ratio | 16.8162% | 3,311 |
| Memoranda: | ||
| Average total assets | $245,036,250 | 2,586 |
| Average earning assets | $237,496,000 | 2,431 |
| Average equity | $18,910,750 | 3,300 |
| Average total loans | $148,648,500 | 2,682 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 6,192 |
| Cost of funding earning assets | 0.8993% | 4,679 |
| Net interest margin | 3.3415% | 5,735 |
| Noninterest income to average assets | 0.3318% | 5,238 |
| Noninterest expense to average assets | 2.0838% | 6,628 |
| Loan and lease loss provision to assets | 0.1144% | 4,859 |
| Net operating income to assets | 0.9944% | 2,250 |
| Return on assets (ROA) | 0.9986% | 2,340 |
| Pretax return on assets | 1.3761% | 1,874 |
| Return on Equity (ROE) | 13.0684% | 1,184 |
| Retained earnings to average equity (ytd only) | 7.0903% | 1,838 |
| Net charge-offs to loans | 0.1160% | 4,546 |
| Credit loss provision to net charge-offs | 162.7907% | 1,862 |
| Earnings coverage of net charge-offs (x) | 21.1279% | 1,161 |
| Efficiency ratio | 58.3925% | 6,112 |
| Assets per employee ($millions) | 3.9724% | 3,815 |
| Cash dividends to net income (ytd only)* | 45.7447% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 5,866 |
| Loan loss allowance to noncurrent loans | 513.8462% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 6,573 |
| Noncurrent loans to loans | 0.2182% | 6,469 |
| Net loans and leases to total assets | 60.7775% | 4,131 |
| Net loans and leases to deposits | 66.1238% | 4,988 |
| Net loans and leases to core deposits | 69.7404% | 5,100 |
| Total domestic deposits to total assets | 91.9147% | 254 |
| Equity capital to assets | 7.8980% | 6,745 |
| Core capital (leverage) ratio | 7.6067% | 6,664 |
| Tier 1 risk-based capital ratio | 15.3543% | 3,321 |
| Total risk-based capital ratio | 16.5543% | 3,301 |
| Memoranda: | ||
| Average total assets | $244,750,330 | 2,603 |
| Average earning assets | $237,082,330 | 2,458 |
| Average equity | $18,701,670 | 3,304 |
| Average total loans | $148,276,330 | 2,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 6,221 |
| Cost of funding earning assets | 0.9148% | 4,818 |
| Net interest margin | 3.3099% | 5,738 |
| Noninterest income to average assets | 0.3171% | 5,386 |
| Noninterest expense to average assets | 2.1157% | 6,598 |
| Loan and lease loss provision to assets | 0.1301% | 4,375 |
| Net operating income to assets | 0.9302% | 2,444 |
| Return on assets (ROA) | 0.9302% | 2,506 |
| Pretax return on assets | 1.2782% | 2,107 |
| Return on Equity (ROE) | 12.3786% | 1,359 |
| Retained earnings to average equity (ytd only) | 6.3408% | 2,447 |
| Net charge-offs to loans | 0.1081% | 3,880 |
| Credit loss provision to net charge-offs | 200.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 21.6500% | 1,075 |
| Efficiency ratio | 60.0369% | 5,978 |
| Assets per employee ($millions) | 3.9180% | 4,028 |
| Cash dividends to net income (ytd only)* | 48.7762% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,963 |
| Loan loss allowance to noncurrent loans | 354.6039% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 6,313 |
| Noncurrent loans to loans | 0.3163% | 6,357 |
| Net loans and leases to total assets | 60.0940% | 4,243 |
| Net loans and leases to deposits | 65.2964% | 5,077 |
| Net loans and leases to core deposits | 69.9055% | 5,054 |
| Total domestic deposits to total assets | 92.0326% | 275 |
| Equity capital to assets | 7.6862% | 6,757 |
| Core capital (leverage) ratio | 7.3994% | 6,793 |
| Tier 1 risk-based capital ratio | 15.1095% | 3,367 |
| Total risk-based capital ratio | 16.3070% | 3,354 |
| Memoranda: | ||
| Average total assets | $245,968,000 | 2,600 |
| Average earning assets | $238,313,000 | 2,463 |
| Average equity | $18,483,500 | 3,330 |
| Average total loans | $147,943,000 | 2,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 6,001 |
| Cost of funding earning assets | 1.1822% | 4,664 |
| Net interest margin | 3.4533% | 5,416 |
| Noninterest income to average assets | 0.3412% | 5,352 |
| Noninterest expense to average assets | 2.1041% | 6,834 |
| Loan and lease loss provision to assets | 0.1511% | 5,690 |
| Net operating income to assets | 1.0473% | 1,886 |
| Return on assets (ROA) | 1.0510% | 1,966 |
| Pretax return on assets | 1.4346% | 1,551 |
| Return on Equity (ROE) | 13.8715% | 911 |
| Retained earnings to average equity (ytd only) | 6.4316% | 1,599 |
| Net charge-offs to loans | 0.1058% | 5,813 |
| Credit loss provision to net charge-offs | 232.2581% | 1,269 |
| Earnings coverage of net charge-offs (x) | 24.2968% | 869 |
| Efficiency ratio | 57.1022% | 6,448 |
| Assets per employee ($millions) | 3.8311% | 4,175 |
| Cash dividends to net income (ytd only)* | 53.6342% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,988 |
| Loan loss allowance to noncurrent loans | 186.7052% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 6,358 |
| Noncurrent loans to loans | 0.5835% | 5,883 |
| Net loans and leases to total assets | 58.8856% | 4,873 |
| Net loans and leases to deposits | 63.6979% | 5,663 |
| Net loans and leases to core deposits | 70.0102% | 5,442 |
| Total domestic deposits to total assets | 92.4452% | 194 |
| Equity capital to assets | 7.3472% | 6,975 |
| Core capital (leverage) ratio | 7.3707% | 6,806 |
| Tier 1 risk-based capital ratio | 14.8477% | 3,341 |
| Total risk-based capital ratio | 16.0453% | 3,330 |
| Memoranda: | ||
| Average total assets | $238,253,200 | 2,654 |
| Average earning assets | $230,680,000 | 2,520 |
| Average equity | $18,051,400 | 3,418 |
| Average total loans | $146,564,600 | 2,828 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7032% | 6,008 |
| Cost of funding earning assets | 1.2453% | 4,601 |
| Net interest margin | 3.4579% | 5,462 |
| Noninterest income to average assets | 0.3458% | 5,399 |
| Noninterest expense to average assets | 2.1214% | 6,806 |
| Loan and lease loss provision to assets | 0.1528% | 5,512 |
| Net operating income to assets | 1.0433% | 2,092 |
| Return on assets (ROA) | 1.0471% | 2,187 |
| Pretax return on assets | 1.4229% | 1,815 |
| Return on Equity (ROE) | 13.7108% | 1,094 |
| Retained earnings to average equity (ytd only) | 7.4853% | 1,603 |
| Net charge-offs to loans | 0.1213% | 5,334 |
| Credit loss provision to net charge-offs | 203.0075% | 1,752 |
| Earnings coverage of net charge-offs (x) | 20.8645% | 1,150 |
| Efficiency ratio | 57.4582% | 6,350 |
| Assets per employee ($millions) | 3.6437% | 4,632 |
| Cash dividends to net income (ytd only)* | 45.4052% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 6,212 |
| Loan loss allowance to noncurrent loans | 503.9088% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 7,032 |
| Noncurrent loans to loans | 0.2066% | 6,769 |
| Net loans and leases to total assets | 62.0919% | 4,511 |
| Net loans and leases to deposits | 67.4682% | 5,493 |
| Net loans and leases to core deposits | 75.1582% | 5,162 |
| Total domestic deposits to total assets | 92.0314% | 188 |
| Equity capital to assets | 7.7985% | 6,930 |
| Core capital (leverage) ratio | 7.4063% | 6,932 |
| Tier 1 risk-based capital ratio | 14.6409% | 3,434 |
| Total risk-based capital ratio | 15.8336% | 3,436 |
| Memoranda: | ||
| Average total assets | $235,561,500 | 2,719 |
| Average earning assets | $227,953,500 | 2,584 |
| Average equity | $17,990,250 | 3,472 |
| Average total loans | $146,142,750 | 2,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7363% | 6,021 |
| Cost of funding earning assets | 1.2986% | 4,548 |
| Net interest margin | 3.4377% | 5,488 |
| Noninterest income to average assets | 0.3419% | 5,416 |
| Noninterest expense to average assets | 2.1086% | 6,877 |
| Loan and lease loss provision to assets | 0.1531% | 5,369 |
| Net operating income to assets | 1.0399% | 2,049 |
| Return on assets (ROA) | 1.0437% | 2,107 |
| Pretax return on assets | 1.4111% | 1,810 |
| Return on Equity (ROE) | 13.7631% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.4816% | 1,642 |
| Net charge-offs to loans | 0.1486% | 4,744 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 16.9722% | 1,375 |
| Efficiency ratio | 57.4907% | 6,453 |
| Assets per employee ($millions) | 3.7129% | 4,432 |
| Cash dividends to net income (ytd only)* | 45.6398% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 6,373 |
| Loan loss allowance to noncurrent loans | 2,964.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 7,355 |
| Noncurrent loans to loans | 0.0339% | 7,235 |
| Net loans and leases to total assets | 61.3779% | 4,803 |
| Net loans and leases to deposits | 66.5571% | 5,740 |
| Net loans and leases to core deposits | 74.2800% | 5,413 |
| Total domestic deposits to total assets | 92.2183% | 187 |
| Equity capital to assets | 7.6091% | 7,045 |
| Core capital (leverage) ratio | 7.2273% | 7,051 |
| Tier 1 risk-based capital ratio | 14.3619% | 3,511 |
| Total risk-based capital ratio | 15.5540% | 3,515 |
| Memoranda: | ||
| Average total assets | $235,135,000 | 2,750 |
| Average earning assets | $227,475,330 | 2,604 |
| Average equity | $17,830,330 | 3,486 |
| Average total loans | $145,321,670 | 2,915 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 6,091 |
| Cost of funding earning assets | 1.3632% | 4,400 |
| Net interest margin | 3.3824% | 5,652 |
| Noninterest income to average assets | 0.3437% | 5,391 |
| Noninterest expense to average assets | 2.1189% | 6,888 |
| Loan and lease loss provision to assets | 0.1539% | 4,993 |
| Net operating income to assets | 1.0047% | 2,160 |
| Return on assets (ROA) | 1.0073% | 2,217 |
| Pretax return on assets | 1.3459% | 1,920 |
| Return on Equity (ROE) | 13.3070% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.9585% | 2,153 |
| Net charge-offs to loans | 0.2855% | 3,267 |
| Credit loss provision to net charge-offs | 87.3786% | 3,715 |
| Earnings coverage of net charge-offs (x) | 8.4951% | 1,955 |
| Efficiency ratio | 58.6093% | 6,393 |
| Assets per employee ($millions) | 3.6548% | 4,683 |
| Cash dividends to net income (ytd only)* | 47.7080% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,638 |
| Loan loss allowance to noncurrent loans | 618.1416% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 7,247 |
| Noncurrent loans to loans | 0.1556% | 7,029 |
| Net loans and leases to total assets | 60.5542% | 5,031 |
| Net loans and leases to deposits | 65.6764% | 5,858 |
| Net loans and leases to core deposits | 74.4637% | 5,447 |
| Total domestic deposits to total assets | 92.2008% | 207 |
| Equity capital to assets | 7.4780% | 7,088 |
| Core capital (leverage) ratio | 7.3580% | 6,982 |
| Tier 1 risk-based capital ratio | 14.1494% | 3,568 |
| Total risk-based capital ratio | 15.2994% | 3,588 |
| Memoranda: | ||
| Average total assets | $233,891,000 | 2,825 |
| Average earning assets | $226,231,000 | 2,674 |
| Average equity | $17,705,000 | 3,538 |
| Average total loans | $144,317,500 | 2,994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 5,921 |
| Cost of funding earning assets | 1.7997% | 3,996 |
| Net interest margin | 3.3405% | 5,583 |
| Noninterest income to average assets | 0.3788% | 5,385 |
| Noninterest expense to average assets | 2.2102% | 6,969 |
| Loan and lease loss provision to assets | 0.1240% | 6,398 |
| Net operating income to assets | 0.9678% | 1,952 |
| Return on assets (ROA) | 0.9753% | 1,984 |
| Pretax return on assets | 1.2898% | 1,722 |
| Return on Equity (ROE) | 12.7171% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.5551% | 2,066 |
| Net charge-offs to loans | 0.1001% | 6,133 |
| Credit loss provision to net charge-offs | 195.7746% | 2,022 |
| Earnings coverage of net charge-offs (x) | 22.1620% | 972 |
| Efficiency ratio | 61.1529% | 6,307 |
| Assets per employee ($millions) | 3.7741% | 4,345 |
| Cash dividends to net income (ytd only)* | 64.1812% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,471 |
| Loan loss allowance to noncurrent loans | 278.1065% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 6,887 |
| Noncurrent loans to loans | 0.3536% | 6,565 |
| Net loans and leases to total assets | 61.6689% | 5,065 |
| Net loans and leases to deposits | 66.9801% | 5,949 |
| Net loans and leases to core deposits | 86.4082% | 5,484 |
| Total domestic deposits to total assets | 92.0706% | 256 |
| Equity capital to assets | 7.6645% | 6,889 |
| Core capital (leverage) ratio | 7.3820% | 6,909 |
| Tier 1 risk-based capital ratio | 13.7453% | 3,662 |
| Total risk-based capital ratio | 14.8936% | 3,666 |
| Memoranda: | ||
| Average total assets | $224,139,600 | 2,886 |
| Average earning assets | $217,093,200 | 2,741 |
| Average equity | $17,189,400 | 3,636 |
| Average total loans | $141,923,200 | 3,048 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1997% | 5,878 |
| Cost of funding earning assets | 1.8989% | 3,896 |
| Net interest margin | 3.3008% | 5,639 |
| Noninterest income to average assets | 0.3809% | 5,469 |
| Noninterest expense to average assets | 2.2238% | 6,914 |
| Loan and lease loss provision to assets | 0.0988% | 6,377 |
| Net operating income to assets | 0.9563% | 2,211 |
| Return on assets (ROA) | 0.9654% | 2,231 |
| Pretax return on assets | 1.2685% | 2,049 |
| Return on Equity (ROE) | 12.5869% | 1,210 |
| Retained earnings to average equity (ytd only) | 6.0124% | 1,943 |
| Net charge-offs to loans | 0.0998% | 5,669 |
| Credit loss provision to net charge-offs | 155.6604% | 3,062 |
| Earnings coverage of net charge-offs (x) | 21.3490% | 1,203 |
| Efficiency ratio | 62.1319% | 6,080 |
| Assets per employee ($millions) | 3.9011% | 3,936 |
| Cash dividends to net income (ytd only)* | 52.2333% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 6,570 |
| Loan loss allowance to noncurrent loans | 225.5499% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 6,788 |
| Noncurrent loans to loans | 0.4193% | 6,497 |
| Net loans and leases to total assets | 62.7955% | 5,107 |
| Net loans and leases to deposits | 68.3917% | 6,098 |
| Net loans and leases to core deposits | 87.9389% | 5,648 |
| Total domestic deposits to total assets | 91.8173% | 203 |
| Equity capital to assets | 7.9286% | 6,915 |
| Core capital (leverage) ratio | 7.4554% | 7,028 |
| Tier 1 risk-based capital ratio | 14.0172% | 3,541 |
| Total risk-based capital ratio | 15.1248% | 3,563 |
| Memoranda: | ||
| Average total assets | $222,620,000 | 2,922 |
| Average earning assets | $215,700,750 | 2,776 |
| Average equity | $17,075,500 | 3,686 |
| Average total loans | $141,558,250 | 3,085 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 5,949 |
| Cost of funding earning assets | 1.9919% | 3,814 |
| Net interest margin | 3.2404% | 5,770 |
| Noninterest income to average assets | 0.3700% | 5,551 |
| Noninterest expense to average assets | 2.1876% | 7,087 |
| Loan and lease loss provision to assets | 0.0943% | 6,224 |
| Net operating income to assets | 0.9372% | 2,320 |
| Return on assets (ROA) | 0.9474% | 2,385 |
| Pretax return on assets | 1.2411% | 2,190 |
| Return on Equity (ROE) | 12.4921% | 1,290 |
| Retained earnings to average equity (ytd only) | 5.8375% | 2,099 |
| Net charge-offs to loans | 0.0691% | 5,543 |
| Credit loss provision to net charge-offs | 214.2857% | 2,147 |
| Earnings coverage of net charge-offs (x) | 30.0408% | 997 |
| Efficiency ratio | 62.3337% | 6,195 |
| Assets per employee ($millions) | 3.6256% | 4,508 |
| Cash dividends to net income (ytd only)* | 53.2701% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 6,569 |
| Loan loss allowance to noncurrent loans | 368.4211% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 7,098 |
| Noncurrent loans to loans | 0.2570% | 6,875 |
| Net loans and leases to total assets | 61.8956% | 5,376 |
| Net loans and leases to deposits | 67.2590% | 6,270 |
| Net loans and leases to core deposits | 86.1973% | 5,885 |
| Total domestic deposits to total assets | 92.0257% | 208 |
| Equity capital to assets | 7.5904% | 7,188 |
| Core capital (leverage) ratio | 7.2898% | 7,255 |
| Tier 1 risk-based capital ratio | 13.7507% | 3,656 |
| Total risk-based capital ratio | 14.8529% | 3,679 |
| Memoranda: | ||
| Average total assets | $222,706,670 | 2,941 |
| Average earning assets | $215,773,670 | 2,802 |
| Average equity | $16,890,670 | 3,736 |
| Average total loans | $141,756,000 | 3,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 5,781 |
| Cost of funding earning assets | 2.0415% | 3,916 |
| Net interest margin | 3.2839% | 5,551 |
| Noninterest income to average assets | 0.3573% | 5,588 |
| Noninterest expense to average assets | 2.1293% | 7,052 |
| Loan and lease loss provision to assets | 0.0812% | 5,925 |
| Net operating income to assets | 1.0024% | 2,302 |
| Return on assets (ROA) | 1.0105% | 2,406 |
| Pretax return on assets | 1.3389% | 2,153 |
| Return on Equity (ROE) | 13.3294% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.6409% | 2,358 |
| Net charge-offs to loans | 0.1039% | 4,138 |
| Credit loss provision to net charge-offs | 121.6216% | 3,237 |
| Earnings coverage of net charge-offs (x) | 21.1081% | 1,346 |
| Efficiency ratio | 60.1734% | 6,381 |
| Assets per employee ($millions) | 3.6722% | 4,399 |
| Cash dividends to net income (ytd only)* | 50.1786% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 6,734 |
| Loan loss allowance to noncurrent loans | 791.3580% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 7,320 |
| Noncurrent loans to loans | 0.1141% | 7,201 |
| Net loans and leases to total assets | 62.8319% | 5,184 |
| Net loans and leases to deposits | 68.3031% | 6,151 |
| Net loans and leases to core deposits | 88.3805% | 5,699 |
| Total domestic deposits to total assets | 91.9899% | 189 |
| Equity capital to assets | 7.5829% | 7,282 |
| Core capital (leverage) ratio | 7.3516% | 7,320 |
| Tier 1 risk-based capital ratio | 13.8260% | 3,680 |
| Total risk-based capital ratio | 14.9066% | 3,682 |
| Memoranda: | ||
| Average total assets | $221,667,500 | 2,968 |
| Average earning assets | $214,742,500 | 2,825 |
| Average equity | $16,805,000 | 3,769 |
| Average total loans | $142,403,000 | 3,126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 6,255 |
| Cost of funding earning assets | 2.5539% | 3,934 |
| Net interest margin | 3.3017% | 6,032 |
| Noninterest income to average assets | 0.4048% | 5,429 |
| Noninterest expense to average assets | 2.0973% | 7,245 |
| Loan and lease loss provision to assets | 0.0263% | 7,073 |
| Net operating income to assets | 0.9779% | 2,647 |
| Return on assets (ROA) | 0.9846% | 2,495 |
| Pretax return on assets | 1.4057% | 1,960 |
| Return on Equity (ROE) | 12.7591% | 1,393 |
| Retained earnings to average equity (ytd only) | 4.0693% | 2,597 |
| Net charge-offs to loans | 0.0626% | 5,878 |
| Credit loss provision to net charge-offs | 62.5000% | 6,198 |
| Earnings coverage of net charge-offs (x) | 33.8182% | 1,075 |
| Efficiency ratio | 59.5872% | 6,421 |
| Assets per employee ($millions) | 3.7175% | 4,136 |
| Cash dividends to net income (ytd only)* | 68.1068% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 6,718 |
| Loan loss allowance to noncurrent loans | 1,313.4021% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 7,408 |
| Noncurrent loans to loans | 0.0679% | 7,231 |
| Net loans and leases to total assets | 64.5162% | 5,169 |
| Net loans and leases to deposits | 70.0994% | 6,270 |
| Net loans and leases to core deposits | 90.2092% | 5,786 |
| Total domestic deposits to total assets | 92.0353% | 130 |
| Equity capital to assets | 7.5794% | 7,320 |
| Core capital (leverage) ratio | 7.3714% | 7,338 |
| Tier 1 risk-based capital ratio | 13.6366% | 3,731 |
| Total risk-based capital ratio | 14.7140% | 3,741 |
| Memoranda: | ||
| Average total assets | $209,225,000 | 3,013 |
| Average earning assets | $197,386,000 | 2,920 |
| Average equity | $16,145,400 | 3,902 |
| Average total loans | $140,533,400 | 3,090 |